November 15, 2012
Catalyst is a very 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. The rider, referred to as the pre-deductible coverage - can be either network-only or both network and out-of-network. The product standard follows the base 2011 COC guidelines and approach to use our out-of-network affordability and programs.