Health Maintenance Organization (Health Plan)

If you want to control cost while providing quality healthcare services, the Health Plan is the right selection for you. Your employees will be able to choose from an impressive network of local doctors.

In network HMO

10 & 10E*

15 & 15E*

20 & 20E*

• Co-pay: $10
• No Deductible
• No Coinsurance
• In network only
• $250 Hospital Co-payment

*No hospital Co-payment for 10E, 15E or 20E

Point of Service (POS)

If you want to provide your employees with the opportunity to utilize providers who are not in our extensive network, the POS is the right choice. As in the old indemnity plans you will be able to go to any doctor, subject to a deductible and coinsurance.

POS
	IN NETWORK	OUT OF NETWORK
	Copay	No Copay
	No deductible	Deductible
	No Coinsurance	Coinsurance
	Referrals	Max out of Pocket
POS PLAN DESIGNS	$300	$500	$1000
80/20	D	C	---
70/30	---	B	A

Open Access Point of Service/Independence

Our independence POS gives employees the flexibility of accessing doctors in the network without referrals

Open Access*
	IN NETWORK	OUT OF NETWORK
	Copay	No Copay
	No deductible	Deductible
	No Coinsurance	Coinsurance
	No referrals	Max out of Pocket
OPEN ACCESS PLAN DESIGNS	$300	$500	$1000
80/20	D	C	---
70/30	---	B	A