TRIAD 1500 vs 2500 PPO: compare the 2026 designs

Compare the TRIAD 1500 and 2500 PPO designs by deductible, office visits, hospital care and published estimate before underwriting.

Start with the deductible

The 2026 SBCs list a $1,500 individual in-network deductible for the 1500 option and $2,500 for the 2500 option. Both show a separate family deductible and higher non-network deductible. That difference matters most when a service is subject to the deductible, such as many imaging, hospital and surgery charges. It does not tell you the whole annual cost by itself.

Check the services you expect

The SBCs list the same $30 primary care and $60 specialist in-network copays for these two options. For many larger covered services, both list 20% in-network coinsurance after the deductible. Read the service rows, exceptions and pre-certification notes rather than assuming the lower deductible makes every visit cheaper.

Compare the same household and age

TRIAD’s rate sheet publishes different pre-underwriting amounts by age band and household tier. Put both designs on the same row, multiply the monthly difference by twelve, then compare it with the deductible difference and a plausible care year. The sheet calls these initial estimates; underwriting can change the final rate or approval.

Make the comparison useful

If you mostly need predictable office visits, both 2026 options show the same listed in-network visit copays. The larger distinction appears when deductible-based services occur. Ask for an approved premium for both designs, then compare the extra annual premium with what you could save on a covered imaging, surgery or hospital claim. Include non-network exposure if your preferred clinicians do not participate.

Sources

Frequently asked questions

Which TRIAD option has the lower in-network deductible?

The linked 2026 SBCs show $1,500 individual for the 1500 option and $2,500 for the 2500 option. Confirm the current documents before applying.

Educational information reviewed October 28, 2026. Product terms, rates, network access, state availability and underwriting can change. The current official plan documents and written eligibility decision control. Prestige is an independent insurance agency, not the insurer.

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