Clear Gold
Clear Gold is a Gold HMO plan by Health Net.
IMPORTANT: You are viewing the 2023 version of Clear Gold 91450AZ0080112. You can enroll in this plan if you qualify for special enrollment until the end of 2023.
Locations
Clear Gold is offered in the following counties.
Plan Overview
Insurer: | Health Net |
Network Type: | HMO |
Metal Type: | Gold |
HSA Eligible?: | No |
Plan ID: | 91450AZ0080112 |
Cost-Sharing Overview
Clear Gold offers the following cost-sharing.
Cost-sharing for Clear Gold includes your out-of-pocket maximum, your annual deductible, and coinsurance under this plan.
Cost Sharing Type | Individual | Family |
---|---|---|
Out-of-Pocket Maximum: | $8,700.00 | $8700 per person | $17400 per group |
Deductible: | $900.00 | $900 per person | $1800 per group |
Coinsurance: | 30.00% |
Some plans have different cost-sharing out-of-network. The out-of-network cost-sharing for Clear Gold will be shown below if applicable.
Cost Sharing Type | Individual | Family |
---|---|---|
Out-of-Network Maximum: | Not Applicable | per person not applicable | per group not applicable |
Out-of-Network Deductible: | Not Applicable | per person not applicable | per group not applicable |
The cost-sharing for the sample Summary of Benefits & Coverage (SBC) scenarios of having a baby, having diabetes, and having a simple fracture.
Deductible: | $900.00 |
Copayment: | $40.00 |
Coinsurance: | $2,700.00 |
Limit: | $60.00 |
Deductible: | $900.00 |
Copayment: | $1,000.00 |
Coinsurance: | $0.00 |
Limit: | $20.00 |
Deductible: | $900.00 |
Copayment: | $300.00 |
Coinsurance: | $400.00 |
Limit: | $0.00 |
Notes:
- Some plans have separate cost-sharing for medical and drugs, while other plans offer combined cost-sharing. The cost-sharing amounts above are combined medical and drug costs unless otherwise noted.
- You are viewing the standard version of this plan. Your costs may be lower depending on your income. Use the “get a quote” button below to see your estimated premium and out-of-pocket costs after assistance.
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904
Plan Features
Clear Gold offers the following features and referral requirements.
Wellness Program: | No |
Disease Program: | Asthma, Heart Disease, Diabetes, Pregnancy |
Notice Pregnancy: | Yes |
Referral Specialist: | No |
Specialist Requiring Referral: | |
Plan Exclusions: | |
Child Only Option?: | Allows Adult and Child-Only |
Network Details
The following network details will help you understand what Clear Gold covers when you are out of the service area or out of the country.
Out of Country Coverage: | No |
Out of Country Coverage Description: | |
Out of Service Area Coverage: | No |
Out of Service Area Coverage Description: | |
National Network: | No |
Additional Benefits and Cost-Sharing
Clear Gold includes the following benefits at the cost sharing rates listed below.
Service | In-Network Copay / Coinsurance | Out-of-Network Copay / Coinsurance | Limits and Explanation |
---|---|---|---|
Primary Care Visit to Treat an Injury or Illness Covered | $25.00 | 100.00% | Unlimited Virtual Care Visits received from Ambetter Telehealth covered at No Charge, except for HSAs. |
Specialist Visit Covered | $60.00 | 100.00% | |
Other Practitioner Office Visit (Nurse, Physician Assistant) Covered | $25.00 | 100.00% | |
Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Covered | 30.00% Coinsurance after deductible | 100.00% | |
Outpatient Surgery Physician/Surgical Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Hospice Services Covered | 30.00% Coinsurance after deductible | 100.00% | The Plan covers hospice care services which are provided under an approved hospice care program when provided to a Member who has been diagnosed by a Participating Provider as having a terminal illness with a prognosis of six (6) months or less to live. Respite Care is not a covered benefit. |
Routine Dental Services (Adult) Not Covered | |||
Infertility Treatment Not Covered | |||
Long-Term/Custodial Nursing Home Care Not Covered | Long Term Acute Care is a covered benefit. Long Term Nursing Care/ Custodial Care is not a covered benefit. | ||
Private-Duty Nursing Covered | 30.00% Coinsurance after deductible | 100.00% | Private hospital rooms and/or private duty nursing are only available during inpatient stays and determined to be medically appropriate by the Plan. Private duty nursing is available only in an inpatient setting when skilled nursing is not available from the facility. Custodial Nursing is not covered by the Plan. |
Routine Eye Exam (Adult) Not Covered | |||
Urgent Care Centers or Facilities Covered | $60.00 | 100.00% | |
Home Health Care Services Covered | 30.00% Coinsurance after deductible | 100.00% | 42 Visit(s) per Year 1. The physician must have determined a medical need for home health care and developed a plan of care that is reviewed at thirty day intervals by the physician.; 2. The care described in the plan of care must be for intermittent skilled nursing, therapy, or speech services.; 3. The patient must be homebound unless services are determined to be medically necessary by the Medical Management Organization.; 4. The home health agency delivering care must be certified within the state the care is received.; 5. The care that is being provided is not custodial care. A Home Health visit is considered to be up to four hours of services. |
Emergency Room Services Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Emergency Transportation/Ambulance Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | Prior authorization is not required for emergency transport, however, all non-emergent transport requires prior authorization. |
Inpatient Hospital Services (e.g., Hospital Stay) Covered | 30.00% Coinsurance after deductible | 100.00% | |
Inpatient Physician and Surgical Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Bariatric Surgery Covered | 30.00% Coinsurance after deductible | 100.00% | 1. The patient must have a body-mass index (BMI) greather than equal to 35.; 2. Have at least one co-morbidity related to obesity.; 3. Previously unsuccessful with medical treatment for obesity. The following medical information must be documented in the patient’s medical record: Active participation within the last two years in one physician?supervised weight-management program for a minimum of six months without significant gaps. The weight-management program must include monthly documentation of all of the following components:a. Weight; b. Current dietary program; c. Physical activity (e.g., exercise program); 4. In addition, the procedure must be performed at an approved Center of Excellence facility that is credentialed by your Health Network to perform bariatric surgery.; 5. The member must be 18 years or older, or have reached full expected skeletal growth. |
Cosmetic Surgery Not Covered | |||
Skilled Nursing Facility Covered | 30.00% Coinsurance after deductible | 100.00% | 90 Days per Year |
Prenatal and Postnatal Care Covered | $25.00 | 100.00% | |
Delivery and All Inpatient Services for Maternity Care Covered | 30.00% Coinsurance after deductible | 100.00% | Newborn benefits do not apply to the newly born child of an Eligible Dependent daughter unless placement with the Employee is confirmed through a court order or legal guardianship. |
Mental/Behavioral Health Outpatient Services Covered | $25.00 | 100.00% | |
Mental/Behavioral Health Inpatient Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Substance Abuse Disorder Outpatient Services Covered | $25.00 | 100.00% | |
Substance Abuse Disorder Inpatient Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Generic Drugs Covered | $13.80 | 100.00% | Most Ambetter Plans offer Preferred Generic Drugs at $5 or less. Please see plan’s Summary of Benefits and Coverage (SBC) or policy document for Preferred Generic and Generic prescription drug cost. |
Preferred Brand Drugs Covered | $40.00 | 100.00% | |
Non-Preferred Brand Drugs Covered | 50.00% Coinsurance after deductible | 100.00% | |
Specialty Drugs Covered | 50.00% Coinsurance after deductible | 100.00% | |
Outpatient Rehabilitation Services Covered | $35.00 | 100.00% | 60 Visit(s) per Year Short-term rehabilitative therapy includes services in an outpatient facility or physician?s office that is part of a rehabilitation program, including physical, speech, occupational, cardiac rehabilitation and pulmonary rehabilitation therapy. Visit limit is for all therapy types combined. |
Habilitation Services Covered | $35.00 | 100.00% | Supplementing with the federal definition of habilitative services: Health care services that help a person keep, learn, or improve skills and functioning for daily living. Examples include therapy for a child who is not walking or talking at the expected age. These services may include physical and occupational therapy, speech-language pathology and other services for people with disabilities in a variety of inpatient and/or outpatient settings. |
Chiropractic Care Covered | $60.00 | 100.00% | 20 Visit(s) per Year HMOs may limit chiropractic visits to 20; PPOs must cover medically necessary chiropractic visits. |
Durable Medical Equipment Covered | 30.00% Coinsurance after deductible | 100.00% | |
Hearing Aids Covered | 30.00% Coinsurance after deductible | 100.00% | 2 Item(s) per Benefit Period Hearing aid devices limited to one per ear, per Plan Year when determined to be medically necessary by the Medical Management Organization. |
Imaging (CT/PET Scans, MRIs) Covered | 30.00% Coinsurance after deductible | 100.00% | Cost share is based on place of service. |
Preventive Care/Screening/Immunization Covered | No Charge | 100.00% | 1 Exam(s) per Year Covered in accordance with ACA guidelines. |
Routine Foot Care Covered | $60.00 | 100.00% | Prior authorization may be required. Covered no limit. |
Acupuncture Not Covered | |||
Weight Loss Programs Not Covered | |||
Routine Eye Exam for Children Covered | No Charge | 100.00% | 1 Visit(s) per Year |
Eye Glasses for Children Covered | No Charge | 100.00% | 1 Item(s) per Year |
Dental Check-Up for Children Not Covered | |||
Rehabilitative Speech Therapy Covered | $35.00 | 100.00% | 60 Visit(s) per Year Visit limit is for all therapy types combined (PT, OT, ST). |
Rehabilitative Occupational and Rehabilitative Physical Therapy Covered | $35.00 | 100.00% | 60 Visit(s) per Year Visit limit is for all therapy types combined (PT, OT, ST). |
Well Baby Visits and Care Covered | No Charge | 100.00% | Well Child visits and immunizations are covered through 47 months as recommended by the American Academy of Pediatrics. |
Laboratory Outpatient and Professional Services Covered | 30.00% Coinsurance after deductible | 100.00% | Cost share is based on place of service. |
X-rays and Diagnostic Imaging Covered | 30.00% Coinsurance after deductible | 100.00% | Cost share is based on place of service. |
Basic Dental Care – Child Not Covered | |||
Orthodontia – Child Not Covered | |||
Major Dental Care – Child Not Covered | |||
Basic Dental Care – Adult Not Covered | |||
Orthodontia – Adult Not Covered | |||
Major Dental Care – Adult Not Covered | |||
Abortion for Which Public Funding is Prohibited Not Covered | |||
Transplant Covered | 30.00% Coinsurance after deductible | 100.00% | Travel & lodging expenses are limited to $10,000 per transplant. Travel and lodging are not covered if the Member is a donor. Organ transplant services include the recipient?s medical, surgical and hospital services; inpatient immunosuppressive medications; and costs for organ procurement. Transplant services are covered only if they are required to perform human to human organ or tissue transplants, such as:1. Allogeneic bone marrow/stem cell;2. Autologous bone marrow/stem cell;3. Cornea;4. Heart;5. Heart/lung;6. Kidney;7. Kidney/pancreas;8. Liver;9. Lung;10. Pancreas;11. Small bowel/liver; or 12. Kidney/liver. Organ transplant coverage will apply only to non-experimental transplants for the specific diagnosis. Coverage for organ procurement costs are limited to costs directly related to the procurement of an organ, from a cadaver or a live donor. Organ procurement costs shall consist of surgery necessary for organ removal, organ transportation and the transportation, hospitalization and surgery of a live donor. Compatibility testing undertaken prior to procurement is covered if Medically Necessary. |
Accidental Dental Covered | 30.00% Coinsurance after deductible | 100.00% | Benefits are payable for the services of a Physician, dentist, or dental surgeon, provided the services are rendered for treatment of an accidental injury to sound natural teeth where the continuous course of treatment is started within six (6) months of the accident. |
Dialysis Covered | 30.00% Coinsurance after deductible | 100.00% | |
Allergy Testing Covered | $60.00 | 100.00% | |
Chemotherapy Covered | 30.00% Coinsurance after deductible | 100.00% | |
Radiation Covered | 30.00% Coinsurance after deductible | 100.00% | |
Diabetes Education Covered | $60.00 | 100.00% | |
Prosthetic Devices Covered | 30.00% Coinsurance after deductible | 100.00% | The Plan covers the initial purchase and fitting of external prosthetic devices which are used as a replacement or substitute for a missing body part and are necessary for the alleviation or correction of illness, injury, congenital defect, or alopecia as a result of chemotherapy, radiation therapy, and second or third degree burns. External prosthetic appliances shall include artificial arms and legs, wigs, hair pieces and terminal devices such as a hand or hook. Wigs and hair pieces are limited to one per Plan Year and $150 maximum. Members must provide a valid prescription verifying diagnosis of alopecia as a result of chemotherapy, radiation therapy, second or third degree burns with a submitted claim for coverage. All other diagnosis are excluded. Replacement of artificial arms and legs and terminal devices are covered only if necessitated by normal anatomical growth or as a result of wear and tear. |
Infusion Therapy Covered | 30.00% Coinsurance after deductible | 100.00% | Infusion/IV Therapy in an Outpatient setting including, but not limited to: Inflixima/b (Remicade), Alefacept (Amevive), and Etanercept (Enbrel). |
Treatment for Temporomandibular Joint Disorders Covered | 30.00% Coinsurance after deductible | 100.00% | Benefits are payable for covered services and supplies which are necessary to treat TMJ disorder which is a result of: 1. An accident; 2. Trauma; 3. A congenital defect; 4. A developmental defect; or 5. A pathology. |
Nutritional Counseling Covered | $60.00 | 100.00% | Covered when dietary adjustment has a therapeutic role of a diagnosed chronic disease/condition, including but not limited to:1. Morbid obesity 2. Diabetes3. Cardiovascular disease 4. Hypertension 5. Kidney disease 6. Eating disorders 7. Gastrointestinal disorders 8. Food allergies 9. Hyperlipidemia |
Reconstructive Surgery Covered | 30.00% Coinsurance after deductible | 100.00% | Following a mastectomy, the following services and supplies are covered:1. Surgical services for reconstruction of the breast on which the mastectomy was performed;2. Surgical services for reconstruction of the non-diseased breast to produce symmetrical appearance;3. Post-operative breast prostheses; and 4. Mastectomy bras/camisoles and external prosthetics that meet external prosthetic placement needs.During all stages of mastectomy, treatments of physical complications, including lymphedema, are covered. Cosmetic Surgery is covered for reconstructive surgery that constitutes necessary care and treatment of medically diagnosed services required for the prompt repair of accidental injury. Congenital defects and birth abnormalities are covered for Eligible Dependent children. |
Gender Affirming Care Covered | 30.00% Coinsurance after deductible | 100.00% | |
Clinical Trials Covered | 30.00% Coinsurance after deductible | 100.00% | |
Diabetes Care Management Covered | $60.00 | 100.00% | |
Inherited Metabolic Disorder – PKU Covered | 30.00% Coinsurance after deductible | 100.00% | |
Off Label Prescription Drugs Covered | 50.00% Coinsurance after deductible | 100.00% | |
Prescription Drugs Other Covered | 50.00% Coinsurance after deductible | 100.00% | |
Wigs Covered | 30.00% Coinsurance after deductible | 100.00% | 1 Item(s) per Year |
Mental/Behavioral Health Outpatient Other Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Substance Use Disorder Outpatient Other Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
Mental/Behavioral Health Emergency Room Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Substance Use Disorder Emergency Room Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Mental/Behavioral Health ER Physician Fee Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Substance Use Disorder ER Physician Fee Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Mental/Behavioral Health Emergency Transportation/Ambulance Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Substance Use Disorder Emergency Transportation/Ambulance Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
Mental/Behavioral Health Urgent Care Covered | $60.00 | 100.00% | |
Substance Use Disorder Urgent Care Covered | $60.00 | 100.00% |
Free Preventive Services
There is no copayment or coinsurance for any of the following Clear Gold preventive services. This is true even if you haven’t met your yearly deductible.
Please note, these services are free only when delivered by a doctor or other provider in your plan’s network.
Preventive care benefits for adults
- Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Colorectal cancer screening for adults 45 to 75
- Depression screening
- Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
- Diet counseling for adults at higher risk for chronic disease
- Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
- Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
- Hepatitis C screening for adults age 18 to 79 years
- HIV screening for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adults at high risk for getting HIV through sex or injection drug use
- Immunizations for adults — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria
- Flu (influenza)
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Measles
- Meningococcal
- Mumps
- Whooping Cough (Pertussis)
- Pneumococcal
- Rubella
- Shingles
- Tetanus
- Lung cancer screening for adults 50 to 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counseling for adults at higher risk
- Statin preventive medication for adults 40 to 75 at high risk
- Syphilis screening for adults at higher risk
- Tobacco use screening for all adults and cessation interventions for tobacco users
- Tuberculosis screening for certain adults without symptoms at high risk
Services for pregnant women or women who may become pregnant
- Breastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
- Birth control: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
- Folic acid supplements for women who may become pregnant
- Gestational diabetes screening for women 24 weeks pregnant (or later) and those at high risk of developing gestational diabetes
- Gonorrhea screening for all women at higher risk
- Hepatitis B screening for pregnant women at their first prenatal visit
- Maternal depression screening for mothers at well-baby visits
- Preeclampsia prevention and screening for pregnant women with high blood pressure
- Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk
- Syphilis screening
- Expanded tobacco intervention and counseling for pregnant tobacco users
- Urinary tract or other infection screening
Other covered preventive services for women
- Bone density screening for all women over age 65 or women age 64 and younger that have gone through menopause
- Breast cancer genetic test counseling (BRCA) for women at higher risk
- Breast cancer mammography screenings
- Every 2 years for women 50 and over
- As recommended by a provider for women 40 to 49 or women at higher risk for breast cancer
- Breast cancer chemoprevention counseling for women at higher risk
- Cervical cancer screening
- Pap test (also called a Pap smear) for women age 21 to 65
- Chlamydia infection screening for younger women and other women at higher risk
- Diabetes screening for women with a history of gestational diabetes who aren’t currently pregnant and who haven’t been diagnosed with type 2 diabetes before
- Domestic and interpersonal violence screening and counseling for all women
- Gonorrhea screening for all women at higher risk
- HIV screening and counseling for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative women at high risk for getting HIV through sex or injection drug use
- Sexually transmitted infections counseling for sexually active women
- Tobacco use screening and interventions
- Urinary incontinence screening for women yearly
- Well-woman visits to get recommended services for all women
Coverage for children’s preventive health services
- Alcohol, tobacco, and drug use assessments for adolescents
- Autism screening for children at 18 and 24 months
- Behavioral assessments for children: Age 0 to 17 years
- Bilirubin concentration screening for newborns
- Blood pressure screening for children: Age 0 to 17
- Blood screening for newborns
- Depression screening for adolescents beginning routinely at age 12
- Developmental screening for children under age 3
- Dyslipidemia screening for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorders
- Fluoride supplements for children without fluoride in their water source
- Fluoride varnish for all infants and children as soon as teeth are present
- Gonorrhea preventive medication for the eyes of all newborns
- Hearing screening for all newborns; and regular screenings for children and adolescents as recommended by their provider
- Height, weight and body mass index (BMI) measurements taken regularly for all children
- Hematocrit or hemoglobin screening for all children
- Hemoglobinopathies or sickle cell screening for newborns
- Hepatitis B screening for adolescents at higher risk
- HIV screening for adolescents at higher risk
- Hypothyroidism screening for newborns
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adolescents at high risk for getting HIV through sex or injection drug use
Immunizations for children from birth to age 18 — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria, tetanus, and pertussis (DTaP)
- Haemophilus influenza type b
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Inactivated Poliovirus
- Influenza (flu shot)
- Measles
- Meningococcal
- Mumps
- Pneumococcal
- Rubella
- Rotavirus
Lead screening for children at risk of exposure
Obesity screening and counseling
- Oral health risk assessment for young children from 6 months to 6 years
- Phenylketonuria (PKU) screening for newborns
- Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk
- Tuberculin testing for children at higher risk of tuberculosis: Age 0 -17
- Vision screening for all children
- Well-baby and well-child visits
Additional Resources
Below are additional resources for Clear Gold including the Summary of Benefits & Coverage (SBC), plan brochure, formulary link, and a link to the website to pay your monthly premium after you enroll.
Summary of Benefits: | Summary of Benefits Link |
Plan Brochure: | Plan Brochure Link |
Formulary: | Formulary Link |
Premium Payment Website: | Premium Payment Link |
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904