ANCHOR SILVER
As seen on
At the point of care
What you'll actually pay
when you use it.
- Preventive careAnnual wellness, screenings, vaccines
- Office visitsYour doctor, in the network
- The same copay every timeDeductible waived on the visit
- Specialist visitsNo referral needed
- No coinsurance on the visitYou pay the copay, not a percentage of the bill
- Emergency room visit30% after the deductible
- Urgent care is $50Deductible waived. Not an emergency, but it can't wait
This is a PPO plan, so care outside the network is covered too, at a bigger share: you pay 50% after a separate $10,000 individual / $20,000 family out-of-network deductible, up to a $17,400 / $34,800 out-of-network maximum.
Emergency room care and urgent care cost the same in or out of network. Out of network, a provider can also bill you for the difference between their charge and what the plan pays, so the team can check your doctors by name before you enroll.
High-cost services
The big stuff, after the deductible.
30% after your $5,000 deductible,
then 100% once you reach the $8,700 max out of pocket.
In network, and subject to plan terms, limitations, exclusions and plan policies. Pre-certification is required on hospital stays, surgery and imaging; a $500 penalty applies when it is not obtained.
Prescription coverage
Simple, flat copays
for your drugs.
- No copayGeneric equivalents on the plan's drug list, deductible waived
- Mail order$0 per prescription
- Flat copayBrand drugs on the plan's preferred list, deductible waived
- Mail order$105 per prescription
- Flat copayBrand drugs outside the preferred list, deductible waived
- Mail order$225 per prescription
Copays apply to covered prescriptions filled at a participating pharmacy. The copays above are retail, 30-day prices; mail-order copays are shown where they differ. Prior authorization may be required on certain drugs. Prescription benefits are subject to the plan formulary, plan terms, limitations and exclusions.
Monthly rates
Straightforward pricing,
No-surprises coverage.
Rates are quoted monthly and remain subject to eligibility, underwriting, plan changes and final approval.
For your records
The Summary of Benefits and Coverage, in writing.
Every copay, every covered service and every limit, in the plan's own words. The Anchor Silver document is being finalized now and will be posted here. If anything on this page and the plan documents disagree, the plan documents win.
Do your research
Go ahead, look us up.
Three steps, and the plan is yours.
One call, (817) 205-6257. Ask anything, no pressure.
The team walks you through it, right on the phone.
And never on your own. The team sticks with you after you enroll, for every question, every claim, every step.
Quick answers
Asked all the time.
This is a PPO plan on the Cigna PPO network, so you can see providers in and out of network, and you pay the least in network. The team can check your doctor, your hospital and your pharmacy by name before you enroll.
Fast. But start dates come with real deadlines, and they vary. The sooner you call, the sooner you're covered.
Doctor visits, urgent care and generic drugs are flat copays, deductible waived. The big stuff, hospital, surgery, labs, imaging, you pay first, up to $5,000 a year ($10,000 family). Then the plan pays 70% until you reach $8,700 ($17,400 family), and 100% after that.
ready when you are
Questions about Anchor Silver?
The team picks up.
Call the team: (817) 205-6257 · thehealthyinsurancedude.com