From extensive benefits to premium savings, our plans have it all.  All plans include a participating provider (PPO) network that can mean advantages like discounts on services, no claim forms, and lower out-of-pocket expenses.  

Max Plan	Our richest plan for security and peace of mind  Unlimited office visit copay option Very broad protection Wide range of deductible and coinsurance options Up to $8 million lifetime benefits 24-month rate guarantee - and the option to extend it to a full 36 months (varies by state) Unlimited prescription drug benefits Access to doctors and hospitals from some of the largest preferred provider (PPO) networks in the nation Significant discounts on covered medical services when using network providers HealthyDiscount* offers 10% off renewal premiums for as many as six consecutive renewals. *(varies by state) View more details in the MaxPlan Brochure
CoreMed	Broad coverage at the best value This plan offers a range of money-saving deductibles that help control premiums without giving up benefits. Cost-effective plan for both everyday and catastrophic needs. Multiple deductible and coinsurance options 24-month rate guarantee - and the option to extend it to a full 36 months. (varies by state)   No deductible for generic medications and low copays on brand name medications  Office visit copay option Access to doctors and hospitals from some of the largest and best preferred provider (PPO) networks in the nation Significant discounts on covered medical services when using network providers HealthyDiscount (varies by state) offers 10% off renewal premiums for as many as six consecutive renewals View more details in the CoreMed brochure
RightStart	Our most affordable major medical plan Now clients can have the everyday benefits they need—like office visit and prescription drug copays—plus comprehensive major medical protection for hospitalizations and serious illness—without breaking their budget. Available at as much 50% off the price of other popular plans, RightStart is ideal for those who didn’t think they could afford insurance an affordable option. Access to doctors and hospitals from some of the largest and best preferred provider (PPO) networks in the nation 24-month rate guarantee - and the option to extend it to a full 36 months*  Significant discounts on covered medical services when using network providers No deductible for generic medications and low copays on brand name medications HealthyDiscount* offers 10% off renewal premiums for as many as six consecutive renewals  Available as a PPO or nonPPO plan View more details in the RightStart brochure

Health Savings Account (HSA) Plans

It's a smart, easy way for your clients to build tax-advantaged funds to pay for health care expenses. HSAs are tax-sheltered accounts with interest-earning funds earmarked for medical expenses. Deposits are 100% deductible. High deductible plans cover larger medical expenses.
Unused funds stay in the account and earn interest on a tax-favored basis.

OneDeductible HSA	Ideal for families, this plan features a single, integrated deductible for everyone. It includes all covered expenses and prescriptions. This means no more hassles keeping track of separate deductibles for each member of the family. A Health Savings Account (HSA) can be added for tax-advantaged savings. Plan also available without an HSA Only available with the OneDeductible Plan, an optional First-Dollar Preventive Services Benefit* provides $500 per person for preventive services – before the deductible is met – after being insured for 12 months 24-month rate guarantee - and the option to extend it to a full 36 months*  HealthyDiscount* offers 10% off renewal premiums for as many as six consecutive renewals A broad network of high-quality hospitals and providers Available as a PPO or nonPPO plan  View more details in the OneDeductible HSA brochure
SaveRight HSASM	Affordable protection tax-sheltered Health Savings Account The most affordable qualified high deductible plan, SaveRight’s low premiums fit even the tightest budget. And the premium savings can be used to fund a tax-sheltered HSA. Access to doctors and hospitals from some of the largest and best preferred provider (PPO) networks in the nation Significant discounts on covered medical services when using network providers 24-month rate guarantee - and the option to extend it to a full 36 months*  HealthyDiscount* offers 10% off renewal premiums for as many as six consecutive renewals Available as a PPO or nonPPO plan View more details in the SaveRight HSA brochure

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