Centro Unido de Detallistas (CUD)
Compare CUD plans and choose the coverage that best fits your needs
Benefits
Annual Medical Deductible / MOOP
Annual limit on the member’s medical expenses
Individual
$6,350
$6,350
$6,350
Couple - Family
$12,700
$12,700
$12,700
Regular Hospitalization
Hospital stays and inpatient care
Red Preferida / Fuera de Red
Red Preferida / Fuera de Red
Red Preferida / Fuera de Red
$0 Preferred Network
$150 Out-of-Network
$0 Preferred Network
$150 Out-of-Network
$0 Preferred Network
$125 Out-of-Network
Mental Health Hospitalization
Partial hospitalization and ambulatory surgery
Partial Hospitalization
$150
$150
$125
Ambulatory Surgery
$0 Preferred Network
$70 Out-of-Network
$0 Preferred Network
$70 Out-of-Network
$0 Preferred Network
$70 Out-of-Network
Emergency Room
Immediate emergency care
Accident / Illness
$30 Preferred Network
$50 Out-of-Network
$30 Preferred Network
$50 Out-of-Network
$25 Preferred Network
$40 Out-of-Network
Telehealth Referrals
$0 Preferred Network
Not applicable
$0 Preferred Network
Not applicable
$0 Preferred Network
Not applicable
Laboratories
0% Preferred Network
30% Out-of-Network
0% Preferred Network
30% Out-of-Network
0% Preferred Network
30% Out-of-Network
X-Ray
0% Preferred Network
20% Out-of-Network
0% Preferred Network
20% Out-of-Network
0% Preferred Network
30% Out-of-Network
Diagnostic Tests
40%
40%
40%
Specialized Tests
40%
40%
40%
Sonograms
0% Preferred Network
40% Out-of-Network
0% Preferred Network
40% Out-of-Network
0% Preferred Network
40% Out-of-Network
MRI y CT
20% Preferred Network
40% Out-of-Network
20% Preferred Network
40% Out-of-Network
20% Preferred Network
40% Out-of-Network
Endoscopies
40%
40%
40%
Lithotripsy
40%
40%
40%
Medical Visits
Consultations and treatments without hospitalization
Primary Care Physician
$7
$7
$5
Specialist
$15
$15
$15
Sub-specialist
$20
$20
$20
Podiatrists
$15
$15
$15
Psychiatrist
$15
$15
$15
Psychologist
$15
$15
$15
Chiropractor
$15
$15
$15
Ambulatory Therapies
Chemotherapy and physical, respiratory, and chiropractic therapies
Chiropractic Manipulations
$7
$7
$5
Chemotherapy
30%
30%
30%
Physical therapy
$7
$7
$7
Respiratory Therapy
$7
$7
$7
Dental
Diagnosis, prevention, and dental treatments
Maximum Coverage
$500 Per Subscriber
$500 Per Subscriber
$700 Per Subscriber
Excess Maximum Coverage
Not applicable
Not applicable
Not applicable
Diagnostic and Preventive
0%
0%
0%
Minor Restorative
20%
20%
20%
Major Restorative
Not covered
Not covered
50%
Orthodontics
Not covered
Not covered
Not covered
Pharmacy
Covered prescription medications
Maximum Coverage
$800
$1,200
$1,800
Excess Maximum Coverage
90%
60%
60%
Generic Rule
Generic First Option
Generic First Option
Generic First Option
Generic
$7
$5
$5
Preferred Brand
Not covered
30% minimum $20
30% minimum $20
Non-Preferred Brand
Not covered
35% minimum $35
35% minimum $35
Specialized Products
Not covered
40%
40%
Chemotherapy
30%
30%
30%
Glasses and Lenses
Coverage of glasses with reimbursement and refraction exam
Covered by Reimbursement
$150 per contract year
Refraction Exam
$15
Covered by Reimbursement
$150 per contract year
Refraction Exam
$15
Covered by Reimbursement
$150 per contract year
Refraction Exam
$15
Benefits
Annual Medical Deductible / MOOP
Annual limit on the member’s medical expenses
| Individual | |
|---|---|
| Econo | $6,350 |
| Plus | $6,350 |
| Max | $6,350 |
| Couple - Family | |
| Econo | $12,700 |
| Plus | $12,700 |
| Max | $12,700 |
Regular Hospitalization
Hospital stays and inpatient care
| Regular Hospitalization | |
|---|---|
| Econo | $0 Preferred Network $150 Out-of-Network |
| Plus | $0 Preferred Network $150 Out-of-Network |
| Max | $0 Preferred Network $125 Out-of-Network |
Mental Health Hospitalization
Partial hospitalization and ambulatory surgery
| Partial Hospitalization | |
|---|---|
| Econo | $150 |
| Plus | $150 |
| Max | $125 |
| Outpatient Surgery | |
| Econo | $0 Preferred Network $70 Out-of-Network |
| Plus | $0 Preferred Network $70 Out-of-Network |
| Max | $0 Preferred Network $70 Out-of-Network |
Emergency Room
Immediate emergency care
| Accident / Illness | |
|---|---|
| Econo | $30 Preferred Network $50 Out-of-Network |
| Plus | $30 Preferred Network $50 Out-of-Network |
| Max | $25 Preferred Network $40 Out-of-Network |
| Telehealth Referrals | |
| Econo | $0 Preferred Network Not applicable |
| Plus | $0 Preferred Network Not applicable |
| Max | $0 Preferred Network Not applicable |
| Laboratories | |
| Econo | 0% Preferred Network 30% Out-of-Network |
| Plus | 0% Preferred Network 30% Out-of-Network |
| Max | 0% Preferred Network 30% Out-of-Network |
| X-rays | |
| Econo | 0% Preferred Network 20% Out-of-Network |
| Plus | 0% Preferred Network 20% Out-of-Network |
| Max | 0% Preferred Network 20% Out-of-Network |
| Diagnostic Tests | |
| Econo | 40% |
| Plus | 40% |
| Max | 40% |
| Specialized Tests | |
| Econo | 40% |
| Plus | 40% |
| Max | 40% |
| Sonograms | |
| Econo | 0% Preferred Network 40% Out-of-Network |
| Plus | 0% Preferred Network 40% Out-of-Network |
| Max | 0% Preferred Network 40% Out-of-Network |
| MRI and CT | |
| Econo | 20% Preferred Network 40% Out-of-Network |
| Plus | 20% Preferred Network 40% Out-of-Network |
| Max | 20% Preferred Network 40% Out-of-Network |
| Endoscopies | |
| Econo | 40% |
| Plus | 40% |
| Max | 40% |
| Lithotripsy | |
| Econo | 40% |
| Plus | 40% |
| Max | 40% |
Visitas Médicas
Consultations and treatments without hospitalization
| Primary Care Physician | |
|---|---|
| Econo | $7 |
| Plus | $7 |
| Max | $5 |
| Specialist | |
| Econo | $15 |
| Plus | $15 |
| Max | $15 |
| Subspecialist | |
| Econo | $20 |
| Plus | $20 |
| Max | $20 |
| Podiatrist | |
| Econo | $15 |
| Plus | $15 |
| Max | $15 |
| Psychiatrist | |
| Econo | $15 |
| Plus | $15 |
| Max | $15 |
| Psychologist | |
| Econo | $15 |
| Plus | $15 |
| Max | $15 |
| Chiropractor | |
| Econo | $15 |
| Plus | $15 |
| Max | $15 |
Ambulatory Therapies
Chemotherapy and physical, respiratory, and chiropractic therapies
| Chiropractic Manipulations | |
|---|---|
| Econo | $7 |
| Plus | $7 |
| Max | $5 |
| Chemotherapy | |
| Econo | 30% |
| Plus | 30% |
| Max | 30% |
| Physical Therapy | |
| Econo | $7 |
| Plus | $7 |
| Max | $7 |
| Respiratory Therapy | |
| Econo | $7 |
| Plus | $7 |
| Max | $7 |
Dental
Diagnosis, prevention, and dental treatments
| Maximum Coverage | |
|---|---|
| Econo | $500 per Subscriber |
| Plus | $500 per Subscriber |
| Max | $700 per Subscriber |
| Excess over Maximum Coverage | |
| Econo | Not applicable |
| Plus | Not applicable |
| Max | Not applicable |
| Diagnostic and Preventive | |
| Econo | 0% |
| Plus | 0% |
| Max | 0% |
| Minor Restorative | |
| Econo | 20% |
| Plus | 20% |
| Max | 20% |
| Major Restorative | |
| Econo | Not covered |
| Plus | Not covered |
| Max | 50% |
| Orthodontics | |
| Econo | Not covered |
| Plus | Not covered |
| Max | Not covered |
Pharmacy
Covered prescription medications
| Maximum Coverage | |
|---|---|
| Econo | $800 |
| Plus | $1,200 |
| Max | $1,800 |
| Excess over Maximum Coverage | |
| Econo | 90% |
| Plus | 60% |
| Max | 60% |
| Generic Drug Rule | |
| Econo | Generic First Option |
| Plus | Generic First Option |
| Max | Generic First Option |
| Generic | |
| Econo | $7 |
| Plus | $5 |
| Max | $5 |
| Preferred Brand | |
| Econo | Not covered |
| Plus | 30% minimum $20 |
| Max | 30% minimum $20 |
| Non-Preferred Brand | |
| Econo | Not covered |
| Plus | 35% minimum $35 |
| Max | 35% minimum $35 |
| Specialty Products | |
| Econo | Not covered |
| Plus | 40% |
| Max | 40% |
| Chemotherapy | |
| Econo | 30% |
| Plus | 30% |
| Max | 30% |
Glasses and Lenses
Coverage of glasses with reimbursement and refraction exam
| Eyeglasses and Lenses | |
|---|---|
| Econo | Covered by Reimbursement $150 per contract year Refraction Exam $15 |
| Plus | Covered by Reimbursement $150 per contract year Refraction Exam $15 |
| Max | Covered by Reimbursement $150 per contract year Refraction Exam $15 |