Secure

23552TN0020011
Catastrophic
EPO

Secure is a Catastrophic EPO plan by Oscar Insurance Company.

Locations

Secure is offered in the following counties.

Plan Overview

This is a plan overview for 2025 version of Secure 23552TN0020011.
Insurer: Oscar Insurance Company
Network Type: EPO
Metal Type: Catastrophic
HSA Eligible?: No
Plan ID: 23552TN0020011

Cost-Sharing Overview

Secure offers the following cost-sharing.

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.
Ready to sign up for Secure?

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

Secure offers the following features and referral requirements.

Wellness Program: No
Disease Program: Asthma, Heart Disease, Depression, Pregnancy
Notice Pregnancy: No
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 Secure covers when you are out of the service area or out of the country.

Out of Country Coverage: Yes
Out of Country Coverage Description: Emergency Services Only
Out of Service Area Coverage: Yes
Out of Service Area Coverage Description: Emergency and Urgent Services Only
National Network: No

Additional Benefits and Cost-Sharing

Secure 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
No Charge after deductible Not ApplicableNot Applicable 100.00% First three (3) non-preventive visits are $0 and not subject to the deductible. Cost share applies to both in-person and telemedicine services.
Specialist Visit
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Cost share applies to both in-person and telemedicine services.
Other Practitioner Office Visit (Nurse, Physician Assistant)
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Outpatient Surgery Physician/Surgical Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Hospice Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Inpatient hospice services, unless approved by Case Management. Prior Authorization required for Inpatient Hospice.
Routine Dental Services (Adult)
Not Covered
Infertility Treatment
Not Covered
Services or supplies that are designed to create a pregnancy, enhance fertility or improve conception quality, including but not limited to: artificial insemination, in vitro fertilization. Services or supplies for the evaluation of infertility.
Long-Term/Custodial Nursing Home Care
Not Covered
Private-Duty Nursing
Not Covered
Routine Eye Exam (Adult)
Not Covered
Urgent Care Centers or Facilities
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Virtual urgent care services provided by Oscar-designated virtual care providers are covered in full once the deductible has been met.
Home Health Care Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%60.0 Visit(s) per Year Exclusions: Custodial, domiciliary or private duty nursing services. Skilled Nursing services not received in a Medicare certified skilled nursing facility.
Emergency Room Services
Covered
No Charge after deductible Not ApplicableNo Charge after deductible Not Applicable
Emergency Transportation/Ambulance
Covered
No Charge after deductible Not ApplicableNo Charge after deductible Not Applicable
Inpatient Hospital Services (e.g., Hospital Stay)
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Exclusions: Inpatient stays primarily for therapy (such as physical or occupational therapy). Private room when not Authorized by the Plan and room and board charges are in excess of semi-private room. Services that could be provided in a less intensive setting.
Inpatient Physician and Surgical Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Bariatric Surgery
Not Covered
Cosmetic Surgery
Not Covered
Skilled Nursing Facility
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%60.0 Days per Year Skilled Nursing and Rehabilitation Facility limited to 60 days/year combined.
Prenatal and Postnatal Care
Covered
Not Applicable 0.00%Not Applicable 100.00%
Delivery and All Inpatient Services for Maternity Care
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Mental/Behavioral Health Outpatient Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Mental/Behavioral Health Inpatient Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Substance Abuse Disorder Outpatient Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Substance Abuse Disorder Inpatient Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Generic Drugs
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Preferred Brand Drugs
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Non-Preferred Brand Drugs
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Specialty Drugs
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Outpatient Rehabilitation Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%20.0 Visit(s) per Year Therapy limited to 20 visits per type per year. The limit on the number of visits for therapy applies to all visits for that therapy, whether received in a Practitioner?s office, outpatient facility or home health setting.
Habilitation Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%20.0 Visit(s) per Year Therapy limited to 20 visits per type per year. The limit on the number of visits for therapy applies to all visits for that therapy, whether received in a Practitioner?s office, outpatient facility or home health setting.
Chiropractic Care
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%20.0 Visit(s) per Year Therapy limited to 20 visits per type per year. The limit on the number of visits for therapy applies to all visits for that therapy, whether received in a Practitioner?s office, outpatient facility or home health setting.
Durable Medical Equipment
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Durable medical equipment over $500 requires prior authorization.
Hearing Aids
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%1.0 Item(s) per 3 Years
Imaging (CT/PET Scans, MRIs)
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Exclusion: Diagnostic Services not ordered by a Practitioner.
Preventive Care/Screening/Immunization
Covered
Not Applicable 0.00%Not Applicable 100.00%
Routine Foot Care
Not Covered
Exclusions: Routine foot care for the treatment of: (1) flat feet; (2) corns; (3) bunions; (4) calluses; (5) toenails; (6) fallen arches; and (7) weak feet or chronic foot strain.
Acupuncture
Not Covered
Weight Loss Programs
Not Covered
Routine Eye Exam for Children
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%1.0 Exam(s) per Benefit Period
Eye Glasses for Children
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%1.0 Item(s) per Benefit Period
Dental Check-Up for Children
Not Covered
Rehabilitative Speech Therapy
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%20.0 Visit(s) per Year Therapy limited to 20 visits per type per year. Physical, speech or occupational therapy provided in the home does not require Prior Authorization.
Rehabilitative Occupational and Rehabilitative Physical Therapy
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%20.0 Visit(s) per Year Therapy limited to 20 visits per type per year. Physical, speech or occupational therapy provided in the home does not require Prior Authorization.
Well Baby Visits and Care
Covered
Not Applicable 0.00%Not Applicable 100.00%
Laboratory Outpatient and Professional Services
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Exclusion: Diagnostic Services not ordered by a Practitioner.
X-rays and Diagnostic Imaging
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Exclusion: Diagnostic Services not ordered by a Practitioner.
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
No Charge after deductible Not ApplicableNot Applicable 100.00% Transplant services or supplies that have not received Prior Authorization will not be Covered.
Accidental Dental
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Dialysis
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Allergy Testing
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Chemotherapy
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Radiation
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Diabetes Education
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Prosthetic Devices
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Infusion Therapy
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Treatment for Temporomandibular Joint Disorders
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00%
Nutritional Counseling
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% For Diabetes Treatment only.
Reconstructive Surgery
Covered
No Charge after deductible Not ApplicableNot Applicable 100.00% Covered Services: Surgery to correct significant defects from congenital causes, (except where specifically excluded), accidents or disfigurement from a disease state. Reconstructive breast Surgery as a result of a mastectomy or partial mastectomy (other than lumpectomy).
Gender Affirming Care
Not Covered

Free Preventive Services

There is no copayment or coinsurance for any of the following Secure 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.

Additional Resources

Below are additional resources for Secure 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
Ready to sign up for Secure?

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

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