ODS Health Plans

ODS offers a variety of health plans to meet your needs. All of of their health plans include access to the largest directly contracted PPO network in Oregon, the ODS Plus Network. With more than 11,000 providers in their network participating across all specialties—including primary care, surgery, radiology, anesthesiology, chiropractic, naturopathic and acupuncture—your service needs have been anticipated. All of their plan designs give you the freedom to see any licensed provider you choose, but with a better benefit if you access a preferred provider from their statewide network. Coverage varies from plan to plan, so look for the features that best fit your healthcare preferences.

Health Plans

Maximizer (PPO)

The Maximizer plan is ideal for individuals who want broad coverage for a range of services, including pharmacy benefits and
office visits with just a copay.

  • $0 copay for in-network preventive care visits
  • $20 copay for the first six office or urgent care center visits received in-network; after the first six visits the deductible and coinsurance apply
  • $20 copay for chiropractic, acupuncture and naturopathic care when in-network, up 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

Beneficial Rx (PPO)

The BeneficialRx plan is best for those looking for a higher level of benefits and a lower total out-of-pocket cost. The BeneficialRx 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.

  • $0 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

*Family Health Insurance Assistance Program (FHIAP) eligible plan is the BeneficialRx, with a $1,000 deductible. Waivers and
downgrades are not permitted for FHIAP participants.

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.

  • $0 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 a $10,000 per plan year 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

HSA

HSA plans offer lower insurance premiums through a tax-advantaged and high-deductible health plan.

Individual deductible must be met for insured only plan, and family deductible must be met on HSA plans
if enrolled with dependents, before plan pays benefits other than preventive care.

HSA 3000 (HSA)

  • $3,000 individual/$6,000 family deductible
  • In-network preventive care at 100%, deductible waived
  • 100% in-network / 50% out-of-network benefit after deductible
  • 100% prescription benefit after deductible

HSA Value (HSA)

  • $2,800 individual / $5,600 family deductible
  • In-network preventive care at 100%, deductible waived
  • 50% in- and out-of-network benefit after deductible
  • 50% prescription benefit after deductible
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