The UIChoice Plan provides an annual maximum limit for the out-of-pocket (OPM) expenses for both individuals and families. When the amount paid in co-insurance and deductibles equals the applicable OPM, the plan pays 100% of the covered charges for most additional medically-necessary expenses incurred during the remainder of the calendar year.
The OPM for covered expenses received from Levels 1 and 2 and Level 3 participating providers is $1700 per person and $3400 per family.
The OPM for Level 3 services is separate from the Level 1 and 2 OPM. The OPM for covered services received from non-participating Level 3 providers is $2,000 per person and $4,000 per family.
The OPM for prescription drugs is $1,100 per person and $2,200 per family.
If a plan member meets the individual OPM, the additional plan member/s continue to pay co-insurance and deductibles until the larger OPM for their contract is met.
The OPM can also be met when no individual plan member meets their individual OPM, but the combination of the out-of-pocket expenses for all the plan members meets the appropriate contract OPM.