2021 Small Group Plan Documents

HMO Core

Core plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles, and sometimes feature coinsurance that applies to covered services.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

HMO Essential

Essential plans feature intermediate pricing for both monthly premiums and out-of-pocket costs.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

HMO Premium

Premium plans have higher monthly premiums, but lower out-of-pocket costs for covered services. These plans feature low copayments, and typically do not include deductibles.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

HMO Thrive

Thrive Plans feature modest premiums with low out-of-pocket expenses for routine and maintenance care paired with significant cost-share for non-routine services. This product line features a zero deductible option.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

HMO Wise

Wise plans feature lower monthly premiums with higher out-of-pocket costs for covered services. They require full payment of their deductible before most services are covered. They are typically paired with Health Savings Account that can be used by the member to pay for health related expenses and deductibles.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

PPO Core

Core plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles, and sometimes feature coinsurance that applies to covered services.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

PPO Essential

Essential plans feature intermediate pricing for both monthly premiums and out-of- pocket costs.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

PPO Thrive

Thrive Plans feature modest premiums with low out-of-pocket expenses for routine and maintenance care paired with significant cost-share for non-routine services. This product line features a zero deductible option.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage

PPO Wise

Wise plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles that apply to covered services.

SBC = Summary of Benefits and Coverage
EOC = Explanation of Coverage