AMERUS SUMMIT

EPO — does not include out-of-network coverage. Ages 18–70.

Full PPO with out-of-network benefits. $0 in-network deductible, $25 primary care / $50 specialist copays, no specialist referral required.

EPO — Cigna network, no out-of-network coverage. $1,500 / $3,000 deductible, $9,000 / $18,000 OOP max, 30% coinsurance. $40 primary care / $60 specialist copays; ER $500 copay + deductible + 30%. 2026 plan guide.

Two-card solution: EPO 5000 medical ($5,000 / $10,000 deductible, $9,000 / $18,000 OOP max, 30% coinsurance) plus a separate ManhattanLife gap policy for a $0 effective deductible and OOP max on eligible expenses. $40 primary care / $60 specialist; $0 virtual visits. Rates include both components.

Two-card solution: Pinnacle PPO medical (Bronze 4.3 PPO, $5,000 / $10,000 deductible, $8,700 / $17,400 OOP max) plus a separate ManhattanLife gap policy for a $0 effective deductible and OOP max on eligible expenses. $40 primary care / $80 specialist. OON: $10,000/$20,000 deductible, $17,400/$34,800 OOP max, 50% coinsurance — preventive care, prescriptions & child eye exams not covered OON. Rates include both components.

Maintenance-style plan, age-banded pricing by household size.

Maintenance-style plan, age-banded pricing by household size.

HSA-qualified high-deductible plan.

Visit-limited plan.

Visit-limited plan.

Visit-limited plan.

Prescription drug reference sheet for the plan lineup above.