Vantage offers simplicity to our members. Vantage members have direct access to their choice of providers with a single coinsurance level that applies to Preferred, Participating and non-contracted providers. There are no upfront benefits. Vantage members have cost sharing (deductible and coinsurance) benefits only.

Vantage claim example

Scenario:
An Vantage member has a $500 deductible and 80/80/80  percent coinsurance level. The member visits a Preferred provider for a preventive visit. During the visit, the provider removes a suspicious mole. The member’s claim is paid as follows:

Benefit impact:

• Office visit
• Mole removal (in-office surgery)
• Mole biopsy (sent to outside lab)

All services accumulate toward $500 deductible and 80 percent coinsurance.

Benefit summaries and additional product detail is available in the Products section.