Small business and large group medical insurance

Businesses of any size in select states

Don't pay for insurance you don't use. This simple plan helps maintain good health, but also provides protection when life happens.

• Higher deductible amounts
• Copays for basic services like office visits, telemedicine and pharmacy
• Other services–pay the deductible, then the plan pays a percentage of the cost

Mostly healthy individuals, with minimal healthcare needs, who want a simple plan to maintain good health. Provides protection for a major healthcare event.

Businesses of any size

This is a health plan with no surprises. Before getting care, employees will know exactly what they’ll pay for in-network covered services—it’s that simple.

• No deductible
• Simple straightforward copay for services

Budget-conscious individuals who want to know their up-front healthcare costs so they can better manage their expenses.

Businesses of any size

High-deductible health plans (HDHP) pay coinsurance, or a percentage of the cost, after the deductible is met for all covered services, including pharmacy.

• High deductible amount, no copays
• First pay a deductible, then the plan pays a percentage of the cost
• Also compatible with health savings accounts (HSAs)

Generally healthy individuals who get routine, preventive care annually, but need full-coverage if a major healthcare event occurs.

Businesses of any size

This is one of our lowest-premium plans with extensive coverage and access to in-network discounts. Once the deductible is met, the plan pays a percentage of covered services until reaching the out-of-pocket maximum. After that, the plan pays 100% of all eligible in-network services.

• Lowest-cost premiums
• Spending account options available to help pay for out-of-pocket healthcare expenses and offer tax savings
• Members pay for care until they meet their deductible amount—after that, the plan pays a percentage of covered services and prescriptions

The Efficiency plan is great for budget-conscious employers looking to offer healthcare coverage with access to in-network discounts for a lower premium. Plus employees can easily access their spending account funds to help pay for out-of-pocket expenses.

Businesses of any size

This is a traditional health plan with copays for some services and a deductible for other covered services.

• Copays for basic services like preventive exams, virtual visits and pharmacy
• Other services—pay the deductible, then the plan pays a percentage of the cost

Individuals looking for a traditional insurance plan that covers both routine care and other conditions.