RightStart Plan^SM

Now you can have health insurance without giving up something else to pay for it.  RightStart^SM is the health insurance plan that gives you the everyday benefits you and your family value — like a visit to the doctor or help paying for a prescription. And, if you need more serious care, there's protection for that too.

Some health insurance plans offer richer coverage, but it comes at a richer price.  RightStart^SM brings you and your family health insurance for as much as 50% off the price of other popular plans. And you have access to quality health care facilities and doctors.

It's the access you want and the price you need - right now.

RightStart^SM Highlights:

	Deductible options Annual amount you pay before benefits are paid		$500, $1,000 and $2,500 for individual.  Family deductible is three times the individual deductible (family = 3 or more people).   Individual non-network deductible is plan deductible + $1,000.   Family non-network deductible is three times the individual non-network deductible.
	Coinsurance options		50% or 75%   Non-network coinsurance is network coinsurance less 20%.
	Coinsurance out-of-pocket maximum Total out-of-pocket maximum equals coinsurance maximum plus deductible		$2,000 when you choose 50% coinsurance. $3,000 when you choose 75% coinsurance.   Individual non-network out-of-pocket maximum is $8,000 for both coinsurance options.1   Family non-network out-of-pocket maximum is $16,000 for both coinsurance options.1
	Doctor Office Copay (DOC) Optional benefit		$25 per visit up to 2 visits per person each calendar year.2
	Annual Maximum $50,000 and $250,000 options also available		$100,000 per year
	Outpatient services maximum $5,000 and $10,000 options also available		$2,500 per year (Available with $50,000 and $100,000 annual maximums) (Additional options available with $100,000 and $250,000 annual maximums)
	Prescription drugs maximum Annual maximum amount available as buy-up option		$2,000 limit per person each year  Generic: $15 copay / No deductible  Brand: $25 copay + 50% coinsurance / $500 deductible.3 (If you choose brand when generic is available, you will pay the difference.)
	Lifetime maximum		$2 million
	Accident Medical Expense (AME) Optional benefit		$300, $500 or $1,000

Note: All maximums are on a calendar-year basis. Options may vary by state.

1 Non-network out-of-pocket maximums do not apply to Traditional plans. Subject to reasonable and customary charges.
2 Doctor Office Copay option not available with Traditional plans.
3 Family deductible is 2 times.

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