Fully Insured Plans

Offering your employees the security of a fully-insured health care plan without breaking your budget.

Health Maintenance Organization (HMO)

The Health Plan’s fully-funded HMO is perhaps the most cost-effective plan offered. This plan limits members to a network of providers contracted through aggressive pricing arrangements.

The HMO provides comprehensive benefits to enrollees at a reasonable cost to employers. Affordable copays,
virtually no claim forms, and plans with or without deductibles will encourage members to establish ongoing relationships with their physicians. The physician relationship, along with preventive care services, will help to deter major health problems.

Various benefit levels can be provided to facilitate employer savings while maintaining a comprehensive benefit plan for good health for your employees. The HMO plan has an unlimited lifetime maximum and complete coverage for preventive care. National Committee for Quality Assurance (NCQA) Accredited.

Preferred Provider Organization (PPO)

This option enables employees to receive care from virtually any health care provider. The benefits are paid at the highest level when contracted providers are utilized. Members can elect to receive care outside The Health Plan network at specific benefit levels. Reduced costs are available through established contracts with physicians and hospitals. This plan requires NO selection of a primary care physician (PCP).

Point-of-Service Plan (POS) (large groups only)

Employers and employees can enjoy the same cost effective features and benefits of the HMO with the added option to leave the network. PCPs oversee member care and refer members to specialists in the network, when care is available. If necessary, members can receive care outside of The Health Plan network at specific benefit levels.

The Health Plan offers competitive premiums through established contracts with physicians and hospitals. This plan does require the selection of a PCP.