myChoice covers basic preventive care services³ without the requirement to meet a deductible. If the provider charges more than the maximum allowable cost, you pay a balance billing invoice for the difference.
myChoice is a new, more affordable¹ type of health insurance plan. Watch this video to see how it’s different with great advantages for you.
¹myChoice premiums may be lower, but out-of-pocket costs may vary based on whether your provider accepts the maximum allowable cost. Keep in mind that providers may charge more than the maximum allowable cost. In this case, you will receive a bill for the difference (called “balance billing”), which it will be your responsibility to pay. Balance billing amounts will not apply to your deductible or maximum out-of-pocket. Comparison is based on projected rates for traditional health plans in 2019.
Get coverage you can count on for basic preventive care, as well as help with unforeseen medical needs after you meet your deductible.
About balance billing²myChoice has a network for pharmacy. The benefit is the same no matter where you go, and pharmacies in network have agreed not to balance bill members over the pharmacy allowed amount. It’s your responsibility to find out what providers charge beforehand.
³ Preventive care is covered at 100% of the maximum allowable cost when 1) the doctor’s office bills the claim as a preventive visit and 2) services are listed as preventive care under the Affordable Care Act (ACA).
myChoice covers basic preventive care services³ without the requirement to meet a deductible. If the provider charges more than the maximum allowable cost, you pay a balance billing invoice for the difference.
You are responsible for all charges for health care services before you meet your deductible.
After you meet your deductible...
myChoice reimburses you up to 40% more than what Medicare pays for the same covered services. If the provider charges more than that, you pay a balance billing invoice for the difference.
About the control myChoice gives you¹myChoice premiums may be lower, but out-of-pocket costs may vary based on whether your provider accepts the maximum allowable cost. Keep in mind that providers may charge more than the maximum allowable cost. In this case, you will receive a bill for the difference (called “balance billing”), which it will be your responsibility to pay. Balance billing amounts will not apply to your deductible or maximum out-of-pocket. Comparison is based on projected rates for traditional health plans in 2019.
²myChoice has a network for pharmacy. The benefit is the same no matter where you go, and pharmacies in network have agreed not to balance bill members over the pharmacy allowed amount. It’s your responsibility to find out what providers charge beforehand.
4myChoice reimburses you up to 40% more than what Medicare pays for the same covered services, and pays 100% of the maximum allowable cost of covered preventive care services.
than many ACA plans on the market today
Call myChoice Advisors for helpful insights and solutions
when you call first to find lower-cost providers
for the same service, once you meet your deductible4
No provider network restrictions²
with the help of the Healthcare Bluebook™ and myChoice Advisors
myChoiceHere to assist you
throughout the process
About myChoice Advisors
Healthcare Bluebook™Find health care that works with your wallet
The Healthcare Bluebook™ gives you the power to compare prices and quality data for providers in your area. Color-coded summaries make it easy to find where you can get care with limited out-of-pocket exposure. Shop around on any device, 24/7.
myChoiceHelp is just a few clicks away
After you’ve signed up, the myChoice Member Portal offers a range of features and free downloads. Review your benefits, print your ID card, learn how to submit a claim, view claim status and more!
Talk to a myChoice Advisor before scheduling non-emergency medical visits to ask if the provider will accept the plan and payment of 140% of Medicare reimbursement for covered services. myChoice is compatible with HSA plans and is ACA compliant. Find the right provider with an affordable cost for the health care service you need.
5 Calling a myChoice Advisor is provided as a convenience and is not required in order for benefits to be paid. If you have an emergency, please call 911 or go to the nearest provider. Similar to other medical services, emergency services are also reimbursed at the maximum allowable cost and you will be responsible for any balance billing over the maximum allowable cost.
We know how challenging it can be to find the right health care insurance – whether you’re someone coming off your parents’ insurance, a small business owner, or an independent spirit. No one should be left feeling like they can’t get coverage. myChoice is here to give you a bold new way to take control, feel confident and be prepared for life’s unexpected illnesses or injuries. Now you have a choice.
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More affordable health care that puts you in control!
A set amount for a particular medical service. Your myChoice plan will pay up to this amount for covered medical services, once you meet your deductible.
The most you will pay for covered services during the plan year.
The amount that you must pay before your myChoice plan begins paying for covered medical services.
The detailed invoice or statement your provider submits to your myChoice plan, showing services received and costs for those services. If your provider will not file your claim for you, you will need to file the claim yourself, following instructions available on the myChoice member portal.
Health care professionals and facilities, including doctors, nurses, hospitals and clinics.
The amount you must pay for health care services, including deductibles.
A representative available by phone to explain how the myChoice plan works, help you find the right provider, point you to online resources, and answer questions about billing statements and negotiating with providers. These Advisors can also speak to providers about how the plan works.
An online resource giving myChoice members price and quality data for providers in their area.