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Explore and compare 2024 health plans that meet your business and employees’ needs. View 2023 plans
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Choice

Offers integrated care from the team at your home clinic

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Connect

Cost-saving features tailored to your employees needs

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HSA Qualified

Save pre-tax dollars to pay for future health care expenses

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Option Advantage Base

Affordable coverage and access to our lowest premium

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Option Advantage Plus

Robust coverage with the deductible waived on select services

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Option Advantage Premium

Rich coverage with deductible waived on most services

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Personal Option

Coverage to in-network providers only making many services free of deductibles

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  • Plan Overview
    • Premium savings making this plan ideal for cost-sensitive employers
    • Care coordinated by a medical home team
    • Ultimate plan design flexibility
    • ExpressCare services are covered in full; deductible waived
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Designation of Medical Home required
    • No referrals required for in-network specialty care
    • Premium savings making this plan ideal for cost-sensitive employers
    • Care coordinated by a medical home team
    • Ultimate plan design flexibility
    • ExpressCare services are covered in full; deductible waived
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Designation of Medical Home required
    • No referrals required for in-network specialty care
    • Live 24/7 customer service
    • Online access to account information anytime–from paying providers to viewing claims
    • Integrated plan setup, enrollment, claims administration and billing so that health plan and member accounts are set up in one convenient place
    • A fully-equipped employer portal for all your contribution and reporting needs
    • Free HealthEquity mobile app gives members on-the-go access to account information
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Lowest premiums of all Option Advantage plans
    • Comprehensive, robust coverage and predictable costs
    • Ultimate plan design flexibility
    • Most benefits subject to the deductible
    • Deductible waived on preventive services, ExpressCare and prescription drugs only
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Comprehensive, robust coverage and predictable costs
    • Ultimate plan design flexibility
    • Deductible waived on in-network PCP, specialists, urgent care visits, allergy shots and outpatient physical therapy
    • First $500 of in-network lab and X-ray services covered in full; deductible waived
    • ExpressCare services are covered in full; deductible waived
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Comprehensive, robust coverage and predictable costs
    • Ultimate plan design flexibility
    • Deductible waived on in-network PCP, specialists, ER, urgent care, allergy shots, outpatient physical therapy and lab and X-ray, and imaging services (PET, CT, MRI)
    • Deductible waived on in-network delivery, postnatal and routine newborn nursery care; delivery is 10x PCP copay
    • ExpressCare services are covered in full; deductible waived
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
    • Comprehensive, robust coverage
    • Predictable costs
    • Ultimate plan design flexibility
    • Many services are not subject to the deductible
    • Coverage to in-network providers only
    • An annual eye exam from participating providers after a $10 copay (copay only applies to adults)
  • Free In-Network Services

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection 

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection 

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection 

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection 

    Travel assistance

    ACA preventive care

    ProvRN

    LifeBalance

    Disease management for chronic conditions

    Health coaching

    ID protection 

    Travel assistance

  • Provider Network Options

    Choice Networks

    Tailored network medical home model

    No referrals required for in-network specialty care

    Connect Networks

    Tailored network medical home model

    No referrals required for in-network specialty care

    Connect + Signature + Extend PPO Networks

    Options include medical home model and Broad PPO-style network

    No referrals required for in-network specialty care

    Signature + Extend PPO Networks

    Broad PPO-style network

    No referrals required for in-network specialty care

    Signature + Extend PPO Networks

    Broad PPO-style network

    No referrals required for in-network specialty care

    Signature + Extend PPO Networks

    Broad PPO-style network

    No referrals required for in-network specialty care

    Signature + Extend PPO Networks

    Broad PPO-style network

    No referrals required for in-network specialty care

  • Plan Design

    Cannot combine in- and out-of-network deductible and out-of-pocket maximum

    Cannot combine in- and out-of-network deductible and out-of-pocket maximum

    Option to combine in- and out-of-network deductible and out-of-pocket maximum

    Option to combine in- and out-of-network deductible and out-of-pocket maximum

    Option to combine in- and out-of-network deductible and out-of-pocket maximum

    Option to combine in- and out-of-network deductible and out-of-pocket maximum

    Option to combine in- and out-of-network deductible and out-of-pocket maximum

  • Plan Benefits

    Most services covered before the deductible is met

    Deductible waived for in-network PCP and specialist visits

    Deductible waived for in-network urgent care visits

    Specialist copay differs from PCP copay

    Option to pair plan with an integrated health account

    Most services covered before the deductible is met

    Deductible waived for in-network PCP and specialist visits

    Deductible waived for in-network urgent care visits

    Specialist copay differs from PCP copay

    Option to pair plan with an integrated health account

    Most services covered after the deductible is met

    Deductible applies for in-network PCP and specialist visits

    Deductible applies for in-network urgent care visits

    Specialist coinsurance is the same as the PCP coinsurance

    Option to pair plan with an integrated health account

    Most services covered after the deductible is met

    Deductible applies for in-network PCP and specialist visits

    Deductible applies for in-network urgent care visits

    Specialist copay differs from PCP copay

    Option to pair plan with an integrated health account

    Most services covered after the deductible is met

    Deductible waived for in-network PCP and specialist visits

    Deductible waived for in-network urgent care visits

    Specialist copay differs from PCP copay

    Option to pair plan with an integrated health account

    Most services covered before the deductible is met

    Deductible waived for in-network PCP and specialist visits

    Deductible waived for in-network urgent care visits

    Specialist copay is the same as PCP copay

    Option to pair plan with an integrated health account

    Most services covered before the deductible is met

    Deductible waived for in-network PCP and specialist visits

    Deductible waived for in-network urgent care visits

    Specialist copay is the same as PCP copay

    Option to pair plan with an integrated health account

Choice is good. We have the options you deserve.

Multiple plan offering
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Self-funded plans
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Add-on services
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Employer groups 51+

Our large group plans offer account integration, employee assistance, and the ultimate flexibility for your business.

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Our plans offer a number of perks designed to support your employees

ID Protection

Get peace of mind with Assist America Identity Theft Protection's fraud monitoring, warning, and resolution.

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Health Coaching

Providence health coaches are here to support your journey to a healthier, happier life.

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Travel Assistance

Get emergency medical help while traveling more than 100 miles away from home, or internationally with Assist America.

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LifeBalance

Get discounts on things you love to do, from seeing a movie to getting away for less with unique vacation packages.

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One Pass Select™

One Pass Select™ makes it easy with access to a nationwide network of gyms and on-demand workouts along with grocery delivery for healthy eating.

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