• Health Plans for Individuals and Families

    Our health plan options provide you a wide range of options to meet your needs. View our Health Plan Brochure and our Rate Sheet for a comparison, or use the links below for more detailed information on our health plan offerings.

  • Benefit Details

  • Access

    Coverage for the big stuff. Choose this plan if you want a low monthly rate, and no coinsurance.

    Plan Benefits 

    Safeguard

    The security of knowing you’re covered for the basics. This plan may be right for you if you want value-priced rates, deductible waived on your first two office visits and generics-only prescription drug coverage. Safeguard III: Similar to Safeguard but with different deductible options. This plan works especially well for those that use doctors in the Premera network.

    Covered drugs on the Safeguard Plans 

    Peak

    The broadest range of covered benefits. This plan offers extensive coverage for a range of medical services, deductible waived on your first four office visits and prescription drug coverage, including brand name drugs. Peak III: Similar to Peak but with different deductible options. This plan works especially well for those that use doctors in the Premera network.

    Review the Preventive Generic Drug List 

    Search Select C4 drug list for covered drugs on the Peak Plans 

    Active HSA

    Do your clients want healthcare coverage plus a way to invest for their financial future?

    Our qualified high deductible health plans with an HSA offers your clients great basic coverage and a chance to save money and invest it for future healthcare expenses. Helping people choose an HSA health plan also allows your clients to reduce their taxable income.

    We make it easy to enroll in and to manage both the health plan and the savings account.

    HSAs offers a triple tax advantage:

    1. Contributions are 100% tax deductible
    2. Funds withdrawn to pay for qualified medical expenses are not taxed
    3. Interest earnings accumulate tax-deferred and are tax free when used to pay qualified medical expenses

    You also enjoy:

    • Monthly rates that are lower because of higher plan annual deductibles
    • Accrued interest over time on unused funds
    • The opportunity to invest funds in a variety of mutual funds—with no transaction fees
    • HSA funds are owned by your client, meaning they can keep them if they change to another health plan
    • HSA funds can be used without penalty for nonmedical expenses if you are 65 or older or if you become permanently disabled (You will still owe tax on the funds you withdraw)

    How an HSA with a qualified high-deductible health plan works

    • Pays 100% for covered preventive care and certain preventive prescription drugs from day one 
    • Your clients pay—either out of pocket or with their HSA funds—all medical and pharmacy expenses until they meet their annual deductible. Then the plan pays 100% of expenses for the rest of the year
    • Funds not spent from the HSA continue to accrue interest

    Integrated banking

    We offer integrated banking through UMB Bank n.a., a member of the FDIC. Founded in 1913 and an industry leader in financial healthcare accounts since 1997, UMB Bank is one of the largest independent banks in America. Your account offers:

    • No monthly service fees
    • A healthcare payment (debit) card
    • 24/7 online access, giving you the added convenience to track and manage your qualified healthcare expenses
    • You can also use other qualified banks, such as HSA Bank™

    Once your clients meet the minimum balance they can invest in mutual fund families that include more than 100 options with no loads and no transaction fees. This means when they choose a mutual fund, they will not pay a fee to invest in the fund nor will they pay a fee when they buy or sell a fund. And your clients can save their HSA funds for certain future healthcare expenses.

    Is your client eligible for an HSA?

    • Before an HSA an can be opened, your client must be covered by a qualified highdeductible health plan
    • Your client must also be able to answer “No” to these questions:
      • Are you covered by another health plan?
      • Are you enrolled in Medicare?
      • Are you another person’s dependent?
       

    Active HSA III: Similar to Active HSA but with different deductible options. This plan works especially well for those that use doctors in the Premera network.

    Review the Preventive Generic Drug List 

    Covered drugs on the Active HSA Plans 

    Secure HSA

    Medical coverage while managing your healthcare expenses. Choose Active HSA when you want an opportunity for tax advantages, coverage for a wide range of medical services and generic prescription drug coverage. Active HSA III: Similar to Active HSA but with different deductible options. This plan works especially well for those that use doctors in the Premera network.

    Review the Preventive Generic Drug List 

    Covered drugs on the Active HSA Plans 

  • Learn more about our preventive screening services 

    Individual Supplemental Guide

    Includes Privacy Policy, Provider Organization, Key Utilization Management Procedures, Pharmaceutical Management Procedures

    Individual Medical Exclusions 

    Summary of Benefits and Coverage