March 17, 2010

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Consumers Life Company – Wisconsin Value 1000 – WISCONSIN

A comparison of the Wisconsin Value 1000 offered by Consumers Life Company is detailed out below for both Network and Non-Network coverage.

  Network Non-Network
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Network See Provider See Provider
Application Wisconsin Value 1000 Application Wisconsin Value 1000 Application
Brochure Wisconsin Value 1000 Brochure Wisconsin Value 1000 Brochure
Copay Wisconsin Value 1000 Wisconsin Value 1000
Office Visit 70% after deductible 50% after deductible
Deductible $1,000 Individual/$2,000 Family $2,000 Individual/$4,000 Family
Coinsurance 70% 50%
Coinsurance Limit Wisconsin Value 1000 Wisconsin Value 1000
Out-of-Pocket Maximum Coinsurance Out-of-Pocket Maximum (Excluding Deductible- $4,000 Individual/$8,000 Family Unlimited
Lifetime Maximum $2,000,000 $2,000,000
Prescription Drugs
  • Benefit Period Maximum- $500
  • Retail (30 Day Supply)- $15 copay- Generic drugs only
  • Home Delivery- Not covered
    		•
  • Benefit Period Maximum- $500
  • Retail (30 Day Supply)- $15 copay- Generic drugs only
  • Home Delivery- Not covered
    		•
    Emergency Room
  • Emergency Use of a Hospital Emergency Room- 70% after deductible
  • Non-Emergency Use of an Emergency Room- Not covered
    		•
  • Emergency Use of a Hospital Emergency Room- 70% after deductible
  • Non-Emergency Use of an Emergency Room- Not covered
    		•
    Adult Preventative Care
  • Routine Physical Exam- Not covered
  • Routine Mammogram (One per benefit period)- 70% after deductible
  • Routine Pap Test (One per benefit period)- 70% after deductible
    		•
  • Well Child Care Services (to age nine). Exams & Well Child Immunizations are limited to $500 per child to age 1; thereafter, $150 per child per birth year to age 9.
    • Well Child Exam- 50% after deductible
    • Well Child Labs- 70% after deductible
    • Well Child Immunizations- 100%
    		•
    Child Preventative Care
  • Well Child Care Services (to age nine). Exams & Well Child Immunizations are limited to $500 per child to age 1; thereafter, $150 per child per birth year to age 9.
    • Well Child Exam- 70% after deductible
    • Well Child Labs- 70% after deductible
    • Well Child Immunizations- 100%
    		•
  • Well Child Care Services (to age nine). Exams & Well Child Immunizations are limited to $500 per child to age 1; thereafter, $150 per child per birth year to age 9.
    • Well Child Exam- 50% after deductible
    • Well Child Labs- 70% after deductible
    • Well Child Immunizations- 100%
    		•
    Lab / X-Ray 70% after deductible 50% after deductible
    Maternity Wisconsin Value 1000 Wisconsin Value 1000
    Physical Therapy
  • 10 visits per benefit period
  • 70% after deductible
    		•
  • 10 visits per benefit period
  • 50% after deductible
    		•
    Skilled Nursing
  • 30 visits per benefit period
  • 70% after deductible
    		•
  • 30 visits per benefit period
  • 50% after deductible
    		•
    Home Health Care
  • 60 visits per benefit period
  • 70% after deductible
    		•
  • 60 visits per benefit period
  • 50% after deductible
    		•
    Mental Health
  • Inpatient Mental Health and Substance Abuse ($7,000 maximum per benefit period)- 50% after deductible
  • Outpatient Mental Health and Substance Abuse ($2,000 maximum per benefit period)- 50% after deductible
  • Transitional Treatment ($3,000 maximum per benefit period)- 50% after deductible
    		•
  • Inpatient Mental Health and Substance Abuse ($7,000 maximum per benefit period)- 50% after deductible
  • Outpatient Mental Health and Substance Abuse ($2,000 maximum per benefit period)- 50% after deductible
  • Transitional Treatment ($3,000 maximum per benefit period)- 50% after deductible
    		•
    Hospital Care Wisconsin Value 1000 Wisconsin Value 1000
    Optional Benefits Wisconsin Value 1000 Wisconsin Value 1000