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Better health care, lower costs
Looking for ways to save money on premiums while preserving the benefits that keep employees healthy and financially secure?
More and more employers are choosing our value-based medical and pharmacy plans, which have lower out-of-pocket costs for the most often-used health services.
Employers themselves save up to 5 percent on premiums compared with standard open option plans and can choose individual common deductibles ranging from $250 to $2000.
Advantages include:
- Low-cost preventive care.
- Low out-of-pocket costs for employees with chronic conditions such as high blood pressure, diabetes and asthma.
- Four-tier pharmacy plans with enhanced benefits for maintenance drugs.
- Lower copays on our most often used services.
- A deductible in front of lab, x-ray and emergency services, unlike our other plans.
- Copays and coinsurance waived on emergency services if admitted to the hospital within 24 hours.
- No new prior authorizations.
- No new exclusions.
How does it work?
Employees who make the most of preventive benefits and routine care to stay healthy and manage chronic conditions typically pay less in out-of-pocket costs.
Employees who overuse x-ray, lab and emergency services will typically pay more.
Everyone enjoys the same comprehensive coverage with no new exclusions and no new prior authorizations, and all employees are kept financially secure with a common out-of-pocket maximum that includes copays and coinsurance.
Take a closer look
How do value-based benefits stack up against those of our standard open option plans? See a comparison chart (PDF).
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