Keystone HMO Silver Proactive Value

Health Insurance Plan Details (2026 Plan)

HMO

Silver

Deductible (per individual)	$1,500 /yr
Deductible (per family)	$3,000 /yr
Max Out-of-Pocket (per individual)	$9,200 /yr
Max Out-of-Pocket (per family)	$18,400 /yr
Plan Type	HMO
Includes Child Dental?	Yes
Includes Adult Dental?	No

Medical Services
Preventive Care	No Charge
Primary Care Visit	$40 Copay
Specialist Visit	$80 Copay
Emergency Room	$950 Copay
Inpatient Facility	$600 Copay per Day with deductible
Inpatient Physician	Not Applicable

Drug Costs
Generic Drugs	$5 Copay
Preferred Brand Drugs	$100 Copay after deductible
Non-preferred Brand Drugs	50.00% Coinsurance after deductible
Specialty Drugs	50.00% Coinsurance after deductible

Summary of Benefits and Coverage	SBC doc
Provider Directory	Doctor lookup
Drug Formulary List	n/a

* Figures shown are only for in-network medical costs

** Please check with insurance company if Copay and Coinsurance rates are before or after the deductible

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