Engage offers simplicity to our members. Engage members have direct access to their choice of providers with a single coinsurance level that applies to Preferred (ValueCare), Participating (Traditional) and non-contracted providers. There are no upfront benefits. Engage members have cost sharing (deductible and coinsurance) benefits only.

Engage claim example

Scenario:

An Engage member has a $500 deductible and 80/80/80 percent coinsurance level. The member visits a Preferred provider for a preventive visit. During the visit, the provider removes a suspicious mole. The member’s claim is paid as follows:

Benefit impact:

• Office visit
• Mole removal (in-office surgery)
• Mole biopsy (sent to outside lab)

All services accumulate toward $500 deductible and 80 percent coinsurance.

Benefit summaries and additional product detail is available in the Products section.

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