{"text_format":"2","workbook":"xls","n_sheets":2,"sheets":["Product Benefits","Options"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":1,"defined_names":12,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900","formulas":"cached_only"}

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["Category","Issuer Id","Product Smart Id","Doctor Choice","HSA Eligible","Annual Deductible\nIn Network","Annual Deductible\nOut of Network","Copay\nIn Network","Copay\nOut of Network","Coinsurance\nIn Network","Coinsurance\nOut of Network","Annual Medical Out-of-Pocket Limit\nIn Network","Annual Medical Out-of-Pocket Limit\nIn Network","Annual Max Benefit \nIn Network",null,"Overall Deductible","Other deductibles for specific services","Out-of-Pocket limit","Not included in Out-of-Pocket","Overall annual limit on insurer payment","Does the plan use a network of providers?","Specialist referral required?","Are there services this plan doesn't cover?",null,"Primary care visit to treat an injury or illness","Specialist visit","Other practitioner office visit","Preventive care/screening/immunization","Diagnostic test (x-ray, blood work)","Imaging (CT/PET scans, MRIs)","Generic drugs","Preferred brand drugs","Non-preferred brand drugs","Specialty drugs (e.g., chemotherapy)","Outpatient facility fee (example, ambulatory surgery center)","Outpatient Physician/ surgeon fees","Emergency room services","Emergency medical transportation","Urgent care","Hospitalization facility fee (example: hospital room)","Hospitalization Physician/surgeon fee","Mental/Behavioral health outpatient services","Mental/ Behavioral health inpatient services","Substance use disorder outpatient services","Substance use disorder inpatient services","Prenatal and postnatal care","Delivery and all inpatient services","Home health care","Rehabilitation services","Habilitation services","Skilled nursing care","Durable medical equipment","Hospice service","Eye exam","Glasses","Dental check-up","Acupuncture"," Bariatric Surgery"," Non-emergency care when travelling outside the U.S."," Chiropractic Care"," Cosmetic Surgery"," Dental care (adult)"," Hearing aids"," Infertility treatment"," Long-term care"," Private-duty nursing"," Routine eye care (adult)"," Routine foot care","Weight loss programs"]
["Instructions and possible responses","Enter the Issuer ID","Enter the Product Smart ID","Enter one of the following:\nIndemnity, PPO, HMO, POS, EPO","Enter Y or N","Enter the available deductibles separated by commas (ex 1000, 2000, 2500, etc.)","Enter the available deductibles separated by commas (ex 1000, 2000, 2500, etc.)","Enter the minimum and maximum copay separated by commas (ex 0, 50)","Enter the minimum and maximum copay separated by commas (ex 0, 50)","Enter the minimum and maximum coinsurance  separated by commas (ex 0%, 40%)","Enter the minimum and maximum coinsurance  separated by commas (ex 0%, 40%)","Enter the annual medical out of pocket maximums, separated by commas.","Enter what elements are calculated for OOP in column L ","Enter the highest annual max benefit",{"$nulls":10},"Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Covered, Not Covered, Available for Additional Premium, Covered with Limitations"]
["sample data",11111,"11111FL001","PPO","N","None","250, 500, 1000, 2500, 3000","None","15, 50","10%, 20%","10%, 50%","4000, 5000, 6000","Deductible + Coinsurance","None",{"$nulls":10},"Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Not Covered","Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered"]
["sample data",22222,"22222GA991","PPO","Y","250, 500, 1000, 2500, 3000","200, 300, 1000, 5000","100, 200","0, 250","20%, 30%","20%, 60%","2500, 3000, 3500","Deductible + Coinsurance + Copay",670,{"$nulls":10},"Covered","Covered","Available for Additional Premium","Covered","Covered","Covered","Covered","Covered","Covered with Limitations","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Covered","Not Covered","Available for Additional Premium","Covered with Limitations","Covered","Covered","Covered","Covered","Available for Additional Premium","Not Covered","Not Covered","Available for Additional Premium","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered","Not Covered"]

{"sheet":"Options","index":1,"n_rows":15,"n_cols":10,"rows_kept":15,"cut":false,"hidden":false,"merged":[],"flags":["formulas_cached_only"]}
["PLAN_TYPE","Choice","Availability","Deductible_List","Copay_Range","Coinsurance_Range","Annual Medical Out of Pocket ","OOP_Includes","Annual Max Benefit","Cost_Combo"]
["INDEMNITY","Y","Covered","None","None","None","None","None","None","$X Deductible/ $X Copay/ X% Coinsurance/ $X Max Annual Out of Pocket "]
["PPO","N","Not Covered","X, X, X, X,…","x, y","x%, y%","x, y","Deductible","x"]
["POS",null,"Covered with Limitations",{"$nulls":4},"Copay"]
[null,null,"Available for Additional Premium",{"$nulls":4},"Coinsurance"]
[{"$nulls":7},"Coinsurance + Copay"]
[{"$nulls":7},"Deductible + Copay"]
[{"$nulls":7},"Deductible + Coinsurance"]
["EPO",{"$nulls":6},"Deductible + Coinsurance + Copay"]
["HMO"]
[null,null,"Instructions","Instructions","Instructions","Instructions","Instructions","Instructions","Instructions"]
[null,null,"Covered, Not Covered, Available for Additional Premium, Covered with Limitations","Enter the available deductibles separated by commas (ex 1000, 2000, 2500, etc.)","Enter the minimum and maximum copay separated by commas (ex 0, 50)","Enter the minimum and maximum coinsurance  separated by commas (ex 0%, 40%)","Enter the annual medical out of pocket maximums, separated by commas.","Enter what elements are calculated for OOP in column L ","Enter the highest annual max benefit"]
[]
[]
[{"$nulls":4},"Copays range from $X to $Y","Coinsurance ranges from X% to Y%"]