ODS Health Plans

ODS individual and family plan offerings include PPO and HSA plans, and allow access the the largest directly contracted network in Oregon. The PPO plans all provide doctor's office and alternative care visits at low copays. The company's dental plans utilize the Delta Dental network, and are among the very best on the market.

Health Plans

Maximizer (PPO)

Ideal for individuals who want broad coverage for a range of services, including pharmacy benefits and unlimited office visits with just a copay.

  • $20 copay for office visits received in-network, including preventive and urgent care center visits
  • $20 copay for chiropractic, acupuncture and naturopathic care when in-network
  • Deductible waived for treatment received within 90 days of an accident
  • Annual deductible choices of $1,000, $2,500, $5,000
  • Prescriptions covered at $15 generic or 50% brand, up to $5,000 maximum benefit

Beneficial Rx (PPO)

The Beneficial Rx plan is best for those looking for a higher level of benefits and a lower total out-of-pocket cost. The Beneficial Rx plan includes services that can be accessed before the deductible, including preventive care, pharmacy services, limited doctor’s office or urgent care center visits, and alternative care.

  • $15 copay for in-network preventive care visits
  • $15 copay for first three in-network office visits or urgent-care-center visits. After the first three visits for illness or injury, the deductible and coinsurance apply
  • $15 copay for the first three alternative care visits. After the first three alternative care visits, the deductible and coinsurance apply to the benefit maximum of $1,000
  • Deductible waived for treatment received within 90 days of an accident
  • Annual deductible choices of $1,000, $2,500 or $5,000
  • Prescriptions covered at $15 generic or 50% brand, up to $5,000 maximum benefit

Benefical Value (PPO)

The Beneficial Value plan is suited to individuals shopping for a lower premium cost. The Beneficial Value plan offers catastrophic coverage and also waives the deductible for preventive care and the first three office and alternative care visits per plan year.

  • $25 copay for in-network preventive care visits
  • $25 copay for first three in-network office visits or urgent-care-center visits. After the first three visits for illness or injury, the deductible and coinsurance apply
  • $25 copay for the first three alternative care visits. After the first three alternative care visits, the deductible and coinsurance apply to the benefit maximum of $1,000
  • Deductible waived for treatment received within 90 days of an accident, with $10,000 PPY maximum
  • Annual deductible choices of $1,000, $2,500, $5,000 or $7,500
  • Prescriptions not covered unless optional rider is purchased; benefit is $15 generic, 50% brand, $2,000 maximum benefit

HSA Choice (HSA)

  • $1,500 individual / $3,000 family deductible
  • Preventive care deductible waived
  • 80% in-network / 60% out-of-network
  • 70% prescription benefit after deductible

HSA Value (HSA)

  • $2,800 individual / $5,600 family deductible
  • Preventive care deductible waived
  • 50% in- and out-of-network benefit
  • 50% prescription benefit after deductible
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