Crossroads Realty + OneHealth Plus

Eight plans. One national PPO network.

Explore flexible coverage options designed for individuals, families, and self-employed professionals. Every plan uses the same Cigna PPO network of 1.3 million providers across all 50 states. What changes is the deductible you carry and what you pay when you use care.

Please note: This plan is not available for purchase in North Dakota, South Dakota, Maryland, Minnesota, or Idaho.

Choose the plan deductible level you would like to see

Showing all 8 plans.

0 Premier

The richest plan available, with no deductible on routine care and the lowest copays across the board.

Deductible (individual, in-network): $0
Deductible (family, in-network): $0
Out-of-pocket max (individual): $1,250
Out-of-pocket max (family): $2,500
Primary care visit: $25 copay, deductible waived
Specialist visit: $45 copay, deductible waived
Urgent care: $45 copay, deductible waived
Coinsurance (in-network): 30% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

1000 Classic

A well-balanced PPO with low copays and a modest deductible, for members who use care regularly.

Deductible (individual, in-network): $1,000
Deductible (family, in-network): $2,000
Out-of-pocket max (individual): $3,500
Out-of-pocket max (family): $7,000
Primary care visit: $15 copay, deductible waived
Specialist visit: $40 copay, deductible waived
Urgent care: $40 copay, deductible waived
Coinsurance (in-network): 20% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

1500 Classic

A Gold-tier PPO with a higher deductible than 2.0 in exchange for a lower premium, copays still in place.

Deductible (individual, in-network): $1,500
Deductible (family, in-network): $3,000
Out-of-pocket max (individual): $3,000
Out-of-pocket max (family): $6,000
Primary care visit: $35 copay, deductible waived
Specialist visit: $55 copay, deductible waived
Urgent care: $55 copay, deductible waived
Coinsurance (in-network): 20% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

3000 Classic

A mid-range deductible PPO with straightforward copays for routine and specialist care.

Deductible (individual, in-network): $3,000
Deductible (family, in-network): $6,000
Out-of-pocket max (individual): $6,000
Out-of-pocket max (family): $12,000
Primary care visit: $35 copay, deductible waived
Specialist visit: $55 copay, deductible waived
Urgent care: $55 copay, deductible waived
Coinsurance (in-network): 20% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

3400 HSA

HSA

HSA-compatible, so you can pay eligible costs with pre-tax dollars. Most services apply to the deductible first.

Deductible (individual, in-network): $3,400
Deductible (family, in-network): $6,800
Out-of-pocket max (individual): $6,800
Out-of-pocket max (family): $13,300
Primary care visit: 20% after deductible
Specialist visit: 20% after deductible
Urgent care: 20% after deductible
Coinsurance (in-network): 20% after deductible
Generic drugs (retail): 0% after deductible
Preferred brand (retail): 25% after deductible

5000 Classic

A higher-deductible PPO with a lower premium, keeping simple copays for everyday care.

Deductible (individual, in-network): $5,000
Deductible (family, in-network): $10,000
Out-of-pocket max (individual): $8,700
Out-of-pocket max (family): $17,400
Primary care visit: $40 copay, deductible waived
Specialist visit: $80 copay, deductible waived
Urgent care: $60 copay, deductible waived
Coinsurance (in-network): 30% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

6000 HSA

HSA

HSA-compatible with a higher deductible and a lower premium, for members who save for care ahead of time.

Deductible (individual, in-network): $6,000
Deductible (family, in-network): $12,000
Out-of-pocket max (individual): $7,000
Out-of-pocket max (family): $14,000
Primary care visit: 30% after deductible
Specialist visit: 30% after deductible
Urgent care: 30% after deductible
Coinsurance (in-network): 30% after deductible
Generic drugs (retail): 0% after deductible
Preferred brand (retail): 25% after deductible

8000 Value

The lowest-premium PPO option, with a high deductible and copays still in place for everyday visits.

Deductible (individual, in-network): $8,000
Deductible (family, in-network): $16,000
Out-of-pocket max (individual): $8,700
Out-of-pocket max (family): $17,400
Primary care visit: $50 copay, deductible waived
Specialist visit: $120 copay, deductible waived
Urgent care: $100 copay, deductible waived
Coinsurance (in-network): 30% after deductible
Generic drugs (retail): $0 copay/Rx, deductible waived
Preferred brand (retail): $35 copay/Rx, deductible waived

OneHealth Plus plan comparison. Figures are in-network unless stated.
Benefit	0 Premier	1000 Classic	1500 Classic	3000 Classic	3400 HSAHSA-compatible	5000 Classic	6000 HSAHSA-compatible	8000 Value
Deductible (individual, in-network)	$0	$1,000	$1,500	$3,000	$3,400	$5,000	$6,000	$8,000
Deductible (family, in-network)	$0	$2,000	$3,000	$6,000	$6,800	$10,000	$12,000	$16,000
Out-of-pocket max (individual)	$1,250	$3,500	$3,000	$6,000	$6,800	$8,700	$7,000	$8,700
Out-of-pocket max (family)	$2,500	$7,000	$6,000	$12,000	$13,300	$17,400	$14,000	$17,400
Primary care visit	$25 copay, deductible waived	$15 copay, deductible waived	$35 copay, deductible waived	$35 copay, deductible waived	20% after deductible	$40 copay, deductible waived	30% after deductible	$50 copay, deductible waived
Specialist visit	$45 copay, deductible waived	$40 copay, deductible waived	$55 copay, deductible waived	$55 copay, deductible waived	20% after deductible	$80 copay, deductible waived	30% after deductible	$120 copay, deductible waived
Urgent care	$45 copay, deductible waived	$40 copay, deductible waived	$55 copay, deductible waived	$55 copay, deductible waived	20% after deductible	$60 copay, deductible waived	30% after deductible	$100 copay, deductible waived
Coinsurance (in-network)	30% after deductible	20% after deductible	20% after deductible	20% after deductible	20% after deductible	30% after deductible	30% after deductible	30% after deductible
Generic drugs (retail)	$0 copay/Rx, deductible waived	$0 copay/Rx, deductible waived	$0 copay/Rx, deductible waived	$0 copay/Rx, deductible waived	0% after deductible	$0 copay/Rx, deductible waived	0% after deductible	$0 copay/Rx, deductible waived
Preferred brand (retail)	$35 copay/Rx, deductible waived	$35 copay/Rx, deductible waived	$35 copay/Rx, deductible waived	$35 copay/Rx, deductible waived	25% after deductible	$35 copay/Rx, deductible waived	25% after deductible	$35 copay/Rx, deductible waived

Included on every plan

$0 copay telemedicine
Virtual primary care included
Advocacy services included
No lifetime maximum
Routine preventive services with no member cost sharing, deductible waived

Precertification is required for all in-hospital admissions, chemotherapy, diagnostic testing and outpatient surgery. A penalty may apply if precertification is not obtained.

This comparison describes the plan in an easily understood manner and is presented as a matter of general information. The contents are not to be accepted as a substitute for the provisions of the plan.

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