CoverageFirst^SM

CoverageFirst is an innovative Preferred Provider Organization (PPO) or Point of Service (POS) plan that combines coverage for basic healthcare and protection in case of a major unexpected illness or injury.

CoverageFirst is ideal for health plan members who have claims below $500 a year.

CoverageFirst is designed for consumers with claims under $500

For members who don't expect more than $500 in claims, CoverageFirst can be a good option. The allowance covers the first $500 of eligible expenses.

CoverageFirst

For each person insured under CoverageFirst, the plan pays the first $500 of eligible expenses for covered services from in-network providers (copayments excluded) before the deductible is met.
Once the allowance is exhausted, the annual individual deductible applies.
After the deductible is met, coinsurance covers most additional eligible medical expenses until the member satisfies the annual out-of-pocket maximum amount.

CoverageFirst helps employees make smart choices

The CoverageFirst allowance covers most doctor and hospital services, including preventive services. With familiar features like copayments and deductibles, employees learn to take more responsibility for making choices about their care.