MCHA offers seven individual plans options:

$500 Deductible Plan

• Requires a $500 annual calendar year deductible ($400 medical deductible and a $100 prescription drug deductible).
• Requires a $3,000 out-of-pocket expense maximum

$1,000 Deductible Plan

• Requires a $1,000 annual calendar year deductible ($800 medical deductible and $200 prescription drug deductible).
• Requires a $3,000 out-of-pocket expense maximum.

$2,000 Deductible Plan

• Requires a $2,000 annual calendar year deductible ($1,600 medical deductible and $400 prescription drug deductible).
• Requires a $3,000 out-of-pocket expense maximum.

$5,000 Deductible Plan

• Requires a $5,000 annual calendar year deductible ($4,000 medical deductible and $1,000 prescription drug deductible).
• Requires a $5,000 out-of-pocket expense maximum.

$10,000 Deductible Plan

• Requires a $10,000 annual calendar year deductible ($8,000 medical deductible and $2,000 prescription drug deductible).
• Requires a $10,000 out-of-pocket expense maximum.

High Deductible Health Plan (HDHP)

• This is a federally qualified high deductible health plan, which allows you to open a health savings account (HSA) if certain HSA eligibility requirements are met.
• The HDHP requires a $3,000 individual deductible and out-of-pocket maximum / $6,000 family deductible and out-of-pocket maximum - same deductible amounts apply to both medical and prescription drugs.
• You are responsible for the establishment of your HSA and the coordination of reimbursements.

Basic Medicare Supplement Plan

• Limited coverage for Medicare Part A and B co-payment amounts but no coverage for Part A and B deductibles, and no coverage for prescription drugs (riders can be purchased for Part A deductibles, Part B deductibles, and 80% of Usual and Customary Costs).