Our medical plan offerings provide you with choices that let you create a plan customized for your workforce and budget, including a range of deductibles, coinsurance options and out-of-pocket maximums. We also offer Health Savings Account qualified plans, and options for Health Reimbursement Arrangements (HRA) and Flexible Spending Accounts (FSA). You can add prescription drug coverage from a selection of plans that offer cost-saving incentives for the use of generic and preferred brand-name drugs, and provide even greater savings with a convenient mail-service feature.
2015 Medical Plans Benefit Guide and all plans and optional benefits2014 Medical Plans Benefit Guide and all plans and optional benefits
Pharmacy benefit coverage, which includes multi-tier or coinsurance designs, encourages the use of generic drugs, but still gives members the option to choose a brand name drug for a higher out-of-pocket cost.
Your Choice, Your Focus, and Your World plans require pharmacy benefit coverage. Your Start and Your Future plans automatically include pharmacy benefits.
Additional vision and hearing benefit options are also available.
Refer to the benefit guide for details.
Groups with 200 or more employees can choose from any of our standard product offerings described above. We’ll also work collaboratively with you and your client to design a health plan program specific to their health benefit requirements.