2015 Dean Health Plan Individual & Family Plan Book

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in the back of this
book to learn how
to buy our plans
12 | 2015 Individual & Family Plans
Affordable option for
those who want peace
of mind but don’t visit
the doctor often
Choosing the
Right Plan for You
Dean Health Plan offers a variety of plan options to fit your situation. You may want to keep costs more predictable by
choosing a plan with an office visit copay. Or you might prefer a plan that qualifies for a Health Savings Account (HSA)
and the tax advantages that go with it. You also may base your plan decision on features offered on the Health Insurance
Marketplace, such as cost-sharing reductions and premium tax credits. As you choose your plan, you’ll want to understand
the metal tier that best fits your needs. Metal tiers categorize plans by how much of your medical costs you can expect
to pay as a percentage of premiums. In addition to summarizing your basic plan options, the next section also describes
metal tiers in more detail.
Copay Plus Plans
Dean’s Copay Plus Plans include various levels of copays for services, as well as deductibles and coinsurance. These plans
give you the flexibility to balance your copays and annual out-of-pocket expenses to fit your budget, while providing the
coverage you and your family need. A copay plan may be right for you if you want a more predictable cost for regular office
visits to your primary care or specialty providers.
Classic Plans
Dean’s Classic Plans are designed for those who want their health coverage to be as simple as possible. With a Dean
Classic Plan, you pick the deductible level and coinsurance combination you’re comfortable with, and you’re done!
HSA (Health Savings Account) Plans
Dean’s HSA-eligible plans are developed to provide multiple options for members interested in combining a high-
deductible health plan with a health savings account (HSA). The HSA-eligible plans were built to be fully compatible with
an HSA of your choice.
Value Plans
For those who prefer a lower monthly premium, without an HSA, we offer Value Plan options. These plans, redesigned for
2015, include limited office visits as well as access to generic medications with a dependable copay.
Safety Net Plan
The Safety Net Plan is a high-deductible, catastrophic plan available only
to those under age 30 or those who meet certain income guidelines
as determined by the Health Insurance Marketplace, also known as
Our Safety Net Plan is designed specifically for people
under age 30, or those age 30 and above who can provide a certification
that they are without affordable coverage or are experiencing financial
hardship and need to purchase a low-cost plan option. The plan carries a
high deductible and provides coverage in case of an emergency.