This document summarizes the 2026 HDHPQ OAPIN plan offered by The Responsive Auto Insurance Company. It describes in-network coverage, key costs such as the deductible and out-of-pocket maximum, and outlines the benefits you receive for common care needs. Premium details are provided separately.
01. At a glance
Deductible (Individual)
$2,000
Out-of-Pocket Max (Individual)
$6,900
Primary Care Visit
$25 copay / office
Emergency Room Visit
$300 copay / visit
02. What you'll pay
| Service | In-Network | Out-of-Network |
|---|---|---|
| Specialist visit | $75 copay per office visit | Not covered |
| Urgent care | $50 copay per visit | Not covered |
| Generic drugs (Tier 1) | $10–$25 copay per prescription | Not covered |
| Preferred brand drugs (Tier 2) | $35–$88 copay per prescription | Not covered |
| Specialty drugs (Tier 4) | $150 copay | Not covered |
| Diagnostic & Imaging | No charge | Not covered |
| Inpatient hospital | No charge | Not covered |
| Home health care | No charge (40 visits/year) | Not covered |
| Rehabilitation therapy | $75 copay per visit, limits apply | Not covered |
| Habilitation services | $75 copay per visit, limits apply | Not covered |
03. Key observations
No cost for preventive services
Preventive care and immunizations are covered in-network before meeting the deductible.
Virtual visits included
MDLIVE telehealth visits have no charge—offering convenient access for routine care or specialists.
Out-of-network services excluded
All out-of-network care is not covered, except certain emergency or air ambulance services billed in-network.
Combined deductible and out-of-pocket limit
Medical, behavioral, and pharmacy services apply to the same deductible and annual limit.