Secure
69803NC0010011
Catastrophic
HMO
Secure is a Catastrophic HMO plan by Oscar Health Plan of North Carolina, Inc.
Locations
Secure is offered in the following counties.
Plan Overview
This is a plan overview for 2025 version of Secure 69803NC0010011.
| Insurer: | Oscar Health Plan of North Carolina, Inc |
| Network Type: | HMO |
| Metal Type: | Catastrophic |
| HSA Eligible?: | No |
| Plan ID: | 69803NC0010011 |
Cost-Sharing Overview
Secure offers the following cost-sharing.
Cost-Sharing
Out-of-Network Cost-Sharing
Cost-Sharing Examples
Cost-Sharing
Cost-sharing for Secure includes your out-of-pocket maximum, your annual deductible, and coinsurance under this plan.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Pocket Maximum: | $9200 per person | $18400 per group |
| Deductible: | $9200 per person | $18400 per group |
| Coinsurance: | 0.00% | |
Out-of-Network Cost-Sharing
Some plans have different cost-sharing out-of-network. The out-of-network cost-sharing for Secure will be shown below if applicable.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Network Maximum: | per person not applicable | per group not applicable |
| Out-of-Network Deductible: | per person not applicable | per group not applicable |
Cost-Sharing Examples
The cost-sharing for the sample Summary of Benefits & Coverage (SBC) scenarios of having a baby, having diabetes, and having a simple fracture.
| Deductible: | $9,200 |
| Copayment: | $0 |
| Coinsurance: | $0 |
| Limit: | $0 |
| Deductible: | $5,400 |
| Copayment: | $0 |
| Coinsurance: | $0 |
| Limit: | $0 |
| Deductible: | $2,800 |
| Copayment: | $0 |
| Coinsurance: | $0 |
| Limit: | $0 |
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, Diabetes, 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 Applicable | Not 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 Applicable | Not 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 Applicable | Not Applicable 100.00% | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Outpatient Surgery Physician/Surgical Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Hospice Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes homemaker services, such as cooking, housekeeping, and food or meal preparation. Benefits for Hospice services for care of a terminally ill Member with a life expectancy of six months or less. |
| Routine Dental Services (Adult) Not Covered | |||
| Infertility Treatment Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 3.0 Treatment(s) per Lifetime |
| Long-Term/Custodial Nursing Home Care Not Covered | |||
| Private-Duty Nursing Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes services provided by a close relative or a member of the household |
| Routine Eye Exam (Adult) Not Covered | |||
| Urgent Care Centers or Facilities Covered | No Charge after deductible Not Applicable | Not 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 Applicable | Not Applicable 100.00% | Excludes homemaker services, such as cooking and housekeeping; Dietitian services or meals; Services that are provided by a close relative or a member of the household. |
| Emergency Room Services Covered | No Charge after deductible Not Applicable | No Charge after deductible Not Applicable | |
| Emergency Transportation/Ambulance Covered | No Charge after deductible Not Applicable | No Charge after deductible Not Applicable | Excludes services provided primarily for the convenience of travel, transportation to or from a doctor’s office or dialysis center, transportation for the purpose of receiving services that are not considered Covered Services |
| Inpatient Hospital Services (e.g., Hospital Stay) Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Admissions primarily for the purpose of receiving diagnostic services or a physical examination; admissions primarily for the purpose of receiving therapy services, except when the admission is a continuation of treatment following care at an inpatient facility for an illness or accident requiring therap |
| Inpatient Physician and Surgical Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Bariatric Surgery Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Cosmetic Surgery Not Covered | |||
| Skilled Nursing Facility Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 60.0 Days per Benefit Period |
| 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 Applicable | Not Applicable 100.00% | See plan documents for separate professional services cost shares. |
| Mental/Behavioral Health Outpatient Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes counseling with relatives about a patient The cost sharing that displays applies to outpatient office visits only. All other outpatient services, such as Partial Hospitalization and Intensive Outpatient Program, may be subject to additional cost sharing. Please refer to the plan policy documents for detailed information. |
| Mental/Behavioral Health Inpatient Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes, “Inpatient confinements that are primarily intended as a change of environment”; Counseling with relatives of a patient |
| Substance Abuse Disorder Outpatient Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes counseling with relatives about a patient The cost sharing that displays applies to outpatient office visits only. All other outpatient services, such as Partial Hospitalization and Intensive Outpatient Program, may be subject to additional cost sharing. Please refer to the plan policy documents for detailed information. |
| Substance Abuse Disorder Inpatient Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes, “Inpatient confinements that are primarily intended as a change of environment”; Counseling with relatives of a patient |
| Generic Drugs Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes injections by a health care professional of injectable which can be self-administered, unless medical supervision is required; drugs associated with conception by artificial means; experimental drugs as outlined in document |
| Preferred Brand Drugs Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes injections by a health care professional of injectable which can be self-administered, unless medical supervision is required; drugs associated with conception by artificial means; experimental drugs as outlined in document |
| Non-Preferred Brand Drugs Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes injections by a health care professional of injectable which can be self-administered, unless medical supervision is required; drugs associated with conception by artificial means; experimental drugs as outlined in document |
| Specialty Drugs Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes injections by a health care professional of injectable which can be self-administered, unless medical supervision is required; drugs associated with conception by artificial means; experimental drugs as outlined in document |
| Outpatient Rehabilitation Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Benefit Period Applied Behavior Analysis (ABA) therapy; Cognitive therapy; Speech therapy for stammering or stuttering; Group classes for pulmonary rehabilitation; music therapy, remedial reading, recreational or activity therapy, all forms or special education and supplies or equipment used similarly; maintenance therapy; massage therapy. Combined 30 visit limit for occupational and physical therapies and chiropractic services. |
| Habilitation Services Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Benefit Period Cognitive Therapy. Group classes for pulmonary rehabilitation. Combined 30 visit limit for occupational and physical therapies and chiropractic services. |
| Chiropractic Care Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Benefit Period 30 visit limits for PT and OT combined (including chiropractic). |
| Durable Medical Equipment Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Appliances and accessories that serve no medical purpose or that are primarily for comfort or convenience; repair or replacement of equipment due to abuse or desire for new equipment Orthotic devices for correction of POSITIONAL PLAGIOCEPHALY are limited to 1 device per lifetime. |
| Hearing Aids Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 1.0 Item(s) per 3 Years One hearing aid per hearing impaired ear, and replacement hearing aids, once every 36 months. |
| Imaging (CT/PET Scans, MRIs) Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Lab tests that are not ordered by Doctor of Other Provider. |
| Preventive Care/Screening/Immunization Covered | Not Applicable 0.00% | Not Applicable 100.00% | |
| Routine Foot Care Not Covered | |||
| Acupuncture Not Covered | |||
| Weight Loss Programs Not Covered | |||
| Routine Eye Exam for Children Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 1.0 Exam(s) per Benefit Period |
| Eye Glasses for Children Covered | No Charge after deductible Not Applicable | Not 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 Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Benefit Period |
| Rehabilitative Occupational and Rehabilitative Physical Therapy Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Benefit Period Combined 30 visit limit for occupational and physical therapies and chiropractic services |
| 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 Applicable | Not Applicable 100.00% | Lab tests that are not ordered by a Doctor or Other Provider. |
| X-rays and Diagnostic Imaging Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Lab tests that are not ordered by a Doctor or Other Provider. |
| 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 Applicable | Not Applicable 100.00% | The purchase price of organs or tissue if any organ or tissue is sold rather than donated to the recipient member; the procurement of organs, tissue, bone marrow, or peripheral blood stem cells or any other donor services if a recipient is not a member; transplants, including high dose chemotherapy, considered experimental or investigational; services for or related to the transplantation of animal or artificial organ or tissues. Benefits are provided for reasonable and necessary services related to the search for a donor up to a maximum of $10,000 per transplant; Both the recipient and the donor are entitled to benefits of this coverage when the recipient is a MEMBER. Benefits provided to the donor will be charged against the recipient’s coverage |
| Accidental Dental Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes injury related to chewing or biting. |
| Dialysis Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Allergy Testing Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Chemotherapy Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Radiation Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Diabetes Education Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Prosthetic Devices Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Dental appliances except when medically necessary for the treatment of temporomandibular joint disease or obstructive sleep apnea; cosmetic improvements, such as implants of hair follicles and skin tone enhancements; lenses for keratoconus or any other eye procedure except as specifically covered under the health plan. Prosthetic appliance must replace all or part of a body part or its function. Therapeutic contact lenses may be covered when used as a corneal bandage for a medical condition; benefits include a one-time replacement of eyeglass or contact lenses due to a prescription change following cataract surgery. |
| Infusion Therapy Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | |
| Treatment for Temporomandibular Joint Disorders Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Excludes Treatment for periodontal disease; Dental implants or root canals; Crowns and bridges; Orthodontic brace; Occlusal (bite) adjustments; Extractions. Therapeutic benefits for TMJ disease include splinting and use of intra-oral PROSTHETIC APPLIANCES to reposition the bones. Surgical benefits for TMJ disease are limited to SURGERY performed on the temporomandibular joint. If TMJ is caused by malocclusion, benefits are provided for surgical correction of malocclusion when surgical management of the TMJ is MEDICALLY NECESSARY. |
| Nutritional Counseling Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Nutritional counseling visits are separate from the obesity-related office visits |
| Reconstructive Surgery Covered | No Charge after deductible Not Applicable | Not Applicable 100.00% | Benefits include coverage for congenital defects of newborn, adopted, and foster children; reconstruction following a mastectomy. |
| 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.
Preventive Care Benefits for All Adults
Preventive Care Benefits for Women
Preventive Care Benefits for Children
Preventive Care Benefits for All Adults
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
Preventive Care Benefits for Women
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
Preventive Care Benefits for Children
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 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