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Copay plans

Employees pay a flat dollar amount when visiting a healthcare professional or filling a prescription. Copay plans require a copayment for illness- and injury-related in-network doctor's office visits. Employees have 100% coverage for preventive services, like annual exams, when in-network doctors are used. Prescription drug coverage is also included.

Available plan types

  • Copay: HMO

    Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.

  • Copay: NPOS

    National point of service (NPOS) plan members are free to go to any healthcare professional, but can keep their costs low by staying within the network.

  • Copay:PPO

    Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.

Key features

  • Annual exams are covered

    Employees can have preventive services like annual exams covered at 100% with in-network doctors.

  • In-network convenience

    By visiting an in-network doctor, employees avoid higher out-of-pocket rates.

  • Predictable payments

    Employees are charged a flat amount for services, allowing them to plan ahead—no surprises.

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