The third "co-insurance" option is the 80/20 of $10,000 "co-insurance" percentage split. This means that after you have satisfied your calendar year deductible, United Health Care will pay 80% ($8,000) and the insured will pay 20% ($2,000) of the first $10,000 in medical bills that you incur. This first $10,000 is known as the "stop loss number". After this brief sharing arrangement is over, the insurance company pays 100% up to $5 Million for the rest of that calendar year. Everything starts over again on the first of each subsequent year. If the "stop loss number" in the above scenario increases from $10,000 to $15,000, $20,000 or $25,000 then your 10% or 20% portion will increase respectively. The point to remember is that you are not responsible for 10% or 20% of your entire medical bill. There is always a safety net and that safety net is referred to as the "stop loss number."

Group Advantage Small Group Health Insurance policies also offer four different prescription drug card arrangements:

Option 1: Provides a discount on prescription drugs at participating pharmacies (www.expresscripts.com)
Option 2: Generic $15 Specialty Drugs $90 $250 deductible per insured per calendar year, then: Preferred Brand $45
Non-Preferred Brand $60
Option 3: Generic $10 Preferred Brand $25 Non-Preferred Brand $40 Specialty Drugs $50
Option 4: All covered prescription drug purchases apply toward the medical deductible and coinsurance.