Catalyst is a flexible medical plan that allows a range of cost alternatives not otherwise available in a consumer friendly framework. (Catalyst is an existing product that is available in 8 states and the District of Columbia. It is also available to National Accounts.)
Catalyst is a high deductible open access plan design with a pre-deductible allowance added to provide coverage up front for common occurrences like physician's office visits or urgent care. The product is designed to give members the coverage they want with the protection they need against significant financial losses.
It is attractive to employers struggling to maintain health care coverage and employers that have a large population of lower-wage and/or part-time workers.
Plan Design Options
Typical Annual Deductible corridor ranges from $3K - $5K
Typical Coinsurance options are 80/60% or 70/50%
Plan designs are Network / Non-Network or Network Only options, Available for HMO and Insurance Products
Network availability is Choice and Choice Plus options. Also Options PPO for ASO only.