**Any descriptions of coverage on this page may not be current and should not be taken as a description of coverage. Any persons seeking to get a full description of coverage should view Colorado plan description forms and/or brochures for the plan they are interested in.
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American Medical Security
American Medical Security offers competitive Colorado health insurance plans for individuals and families with dental and vision coverage included. An additional dental benefit can also be added. The HSA qualified plan can offer a significant savings, compare the benefits to the MedOne plan below:.
| Plan | HSAvings | MedOne Plus | |||
|---|---|---|---|---|---|
In-network |
In-network |
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| Deductible Options | Individual |
Family |
|
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| *80% and 50% options only **100% option only |
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| Provider/Facilities | PPO | PPO | |||
| Lifetime Benefit Maximum (Per insured) |
$5 million | $5 million | |||
| Office Visit Copay Options | N/A | - $30 - $40 - None |
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| Coinsurance Options (The level of coverage provided by the insurance plan after the calendar year deductible is satisfied) |
100%, 80%, 50% | 100% | 80% | 50% | |
| Coinsurance Limit (A shared percentage paid by you and the policy) |
see brochure | $0 | $10,000 | $8,000 | |
| Individual Out-of-Pocket Maximum (The maximum amount you pay per year for covered expenses, plus deductible) |
To determine your Out-of-Pocket Maximum, add your deductible to your coinsurance portion. | $0 | $2,000 | $4,000 | |
| Physician Office Visit (If no copay is selected, charges for the office visit are payable after deductible then coinsurance) |
- Not covered - Subject to deductible and coinsurance with wellness plan (optional) |
Copay then 100% | |||
| Prescription Drugs | - Not covered - Subject to deductible and coinsurance with wellness plan (optional) |
Drug Discount Program (not an insurance benefit) | Or, choose the prescription drug buy-up option |
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| Wellness Benefit | - Not covered - Subject to deductible and coinsurance with wellness plan (optional) |
Network Office Visit | Network X-ray/lab | ||
| Copay then 100% | Deductible then coinsurance (PSA, pap smear, and mammogram) | ||||
| Dental | - CAREINGTON International Discount Dental Program (included) - MedOne Dental Services (optional) |
- CAREINGTON International Discount Dental Program (included) - MedOne Dental Services (optional) |
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| Vision | One comprehensive eye exam every 12 months including refraction covered 100% after a $10 copay | One comprehensive eye exam every 12 months including refraction covered 100% after a $10 copay | |||
Optional MedOne Dental Insurance Plan
MedOne Dental coverage is an additional cost and is available only at the time a MedOne Plus health insurance plan is applied for, or up to 45 days after the application is signed. Waiting periods apply from the original effective date of MedOne Dental coverage. Credit for coverage with a prior carrier is not applicable to the waiting periods. A waiting period is the period of time before the insured is eligible for benefits under the Policy.
| MedOne Dental Services | Benefits | Waiting Period |
|---|---|---|
| Calendar Year Deductible | $50 per person (3 per family maximum) | N/A |
| Calendar Year Maximum | $750 per person | N/A |
| Preventive (Oral evaluations and cleanings twice per calendar year. Topical fluoride treatments for dependent children up to age 16) |
80% of eligible expenses (after deductible) | No waiting period |
| Basic Services (X-rays; sealants for dependent children (up to age 16); non surgical extractions; simple restorative services; stainless steel crowns on primary teeth; repair of crowns, inlays, bridgework, or dentures) |
80% of eligible expenses (after deductible) | 6-month waiting period |
| Major Services (Endodontics; periodontics; crowns, inlays, onlays, and veneers; oral surgery; dentures, bridges, and partials) |
50% of eligible expenses (after deductible) | 18-month waiting period |
American Medical Life Insurance Company has an A.M. Best rating of A- (Excellent).
