From your everyday to your unexpected,
the RedShirt® Treatment is here for your business.

Before you choose a health plan:
Call us at 1-800-453-1910 or email us to have a RedShirt® contact you.

The plans shown below represent our 2018 Q3 Small Group plans. Download a printable version here.

To view our 2018 Q2 plans and rates, click here.

Show Plans By Metal Tier:

Standard Platinum

2018 Q3

Employee Rate
$659.44
Employee and Child(ren) Rate
$1,121.05
Employee and Spouse Rate
$1,318.88
Family Rate
$1,879.40
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$35
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

$500 copay per stay
Emergency Room Services
$100
Pharmacy*
$10/$30/$60
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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FlexFit Platinum

2018 Q3

Employee Rate
$655.79
Employee and Child(ren) Rate
$1,114.84
Employee and Spouse Rate
$1,311.58
Family Rate
$1,869.00
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$30
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

$500 copay per stay
Emergency Room Services
$150
Pharmacy*
$4/$30/$100
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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iDirect Platinum HSAQ

2018 Q3

Employee Rate
$595.03
Employee and Child(ren) Rate
$1,011.55
Employee and Spouse Rate
$1,190.06
Family Rate
$1,695.84
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,350/$2,700
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $0 copay per stay
Emergency Room Services
Deductible then $0
Pharmacy*
Deductible then $0 on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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Choice Plus Platinum**

2018 Q3

Employee Rate
$608.06
Employee and Child(ren) Rate
$1,033.70
Employee and Spouse Rate
$1,216.12
Family Rate
$1,732.97
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $0/$0
B: $1,000/$2,000
In-Network Coinsurance
A: 0%
B: 50%
Primary Care/Specialist Office Visit
A: $10/$30
B: Deductible then 50%
Telemedicine
(participating Teledoc® providers only)

A: $0
B: Not applicable
Inpatient Hospital Services
(per admission)

A: $500 copay per stay
B: Deductible then 50%
Emergency Room Services
A: $150
B: $150
Pharmacy*
$4/$30/$100
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums
**Offered in Erie and Niagara counties only

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Passport Plan Platinum

2018 Q3

Employee Rate
$982.89
Employee and Child(ren) Rate
$1,670.91
Employee and Spouse Rate
$1,965.78
Family Rate
$2,801.24
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$30/$50
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

$500 copay per stay
Emergency Room Services
$150
Pharmacy*
$4/$30/$100
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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Standard Gold

2018 Q3

Employee Rate
$572.88
Employee and Child(ren) Rate
$973.90
Employee and Spouse Rate
$1,145.76
Family Rate
$1,632.71
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$600/$1,200
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $25/$40
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000 copay per stay
Emergency Room Services
Deductible then $150
Pharmacy*
$10/$35/$70
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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iDirect Gold HSAQ

2018 Q3

Employee Rate
$508.37
Employee and Child(ren) Rate
$864.23
Employee and Spouse Rate
$1,016.74
Family Rate
$1,448.85
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,500/$5,000
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $0 copay per stay
Emergency Room Services
Deductible then $0
Pharmacy*
Deductible then $0 on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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iDirect Gold Copay

2018 Q3

Employee Rate
$547.62
Employee and Child(ren) Rate
$930.95
Employee and Spouse Rate
$1,095.24
Family Rate
$1,560.72
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,000/$2,000
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$45
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000 copay per stay
Emergency Room Services
$150
Pharmacy*
$10/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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iDirect Gold Copay HSAQ

2018 Q3

Employee Rate
$525.95
Employee and Child(ren) Rate
$894.12
Employee and Spouse Rate
$1,051.90
Family Rate
$1,498.96
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,400/$2,800
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $15/$40
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $500 copay per stay
Emergency Room Services
Deductible then $100
Pharmacy*
Deductible then $4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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Max Gold

2018 Q3

Employee Rate
$541.99
Employee and Child(ren) Rate
$921.38
Employee and Spouse Rate
$1,083.98
Family Rate
$1,544.67
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,000/$2,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
$15/Deductible then $40
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $750
Emergency Room Services
Deductible then 20%
Pharmacy*
Tier 1: $4 (not subject to deductible)
Tier 2: Deductible then $45
Tier 3: Deductible then 50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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Choice Plus Gold**

2018 Q3

Employee Rate
$513.29
Employee and Child(ren) Rate
$872.59
Employee and Spouse Rate
$1,026.58
Family Rate
$1,462.88
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $1,000/$2,000
B: $2,000/$4,000
In-Network Coinsurance
A: 0%
B: 50%
Primary Care/Specialist Office Visit
A: $15/$45
B: Deductible then 50%
Telemedicine
(participating Teledoc® providers only)

A: $0
B: Not applicable
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000 copay per stay
B: 50%
Emergency Room Services
A: $150
B: $150
Pharmacy*
$10/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums
**Offered in Erie and Niagara counties only

Show Benefits +

NY PA Gold

2018 Q3

Employee Rate
$539.36
Employee and Child(ren) Rate
$916.91
Employee and Spouse Rate
$1,078.72
Family Rate
$1,537.18
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,700/$3,400
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
20%/Deductible then 20%
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
$10/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


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Passport Plan Gold

2018 Q3

Employee Rate
$745.64
Employee and Child(ren) Rate
$1,267.59
Employee and Spouse Rate
$1,491.28
Family Rate
$2,125.07
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,700/$3,400
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
20%/Deductible then 20%
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
$10/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Standard Silver

2018 Q3

Employee Rate
$493.41
Employee and Child(ren) Rate
$838.80
Employee and Spouse Rate
$986.82
Family Rate
$1,406.22
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,000/$4,000
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/$50
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,500 copay per stay
Emergency Room Services
Deductible then $250
Pharmacy*
$10/$35/$70
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Silver Copay

2018 Q3

Employee Rate
$483.45
Employee and Child(ren) Rate
$821.87
Employee and Spouse Rate
$966.90
Family Rate
$1,377.83
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,000/$4,000
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/$50
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000 copay per stay
Emergency Room Services
Deductible then $200
Pharmacy*
$10/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Silver Copay HSAQ

2018 Q3

Employee Rate
$460.49
Employee and Child(ren) Rate
$782.83
Employee and Spouse Rate
$920.98
Family Rate
$1,312.40
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,100/$4,200
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/$60
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $1,000 copay per stay
Emergency Room Services
Deductible then $250
Pharmacy*
Deductible then $15/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Silver Coinsurance HSAQ

2018 Q3

Employee Rate
$446.40
Employee and Child(ren) Rate
$758.88
Employee and Spouse Rate
$892.80
Family Rate
$1,272.24
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,500/$5,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $15/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Max Silver

2018 Q3

Employee Rate
$447.64
Employee and Child(ren) Rate
$760.99
Employee and Spouse Rate
$895.28
Family Rate
$1,275.77
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,800/$5,600
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$35/Deductible then $50
Telemedicine
(participating Teledoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000 copay per stay
Emergency Room Services
Deductible then $225
Pharmacy*
Tier 1: $10 (not subject to deductible)
Tier 2: Deductible then $50
Tier 3: Deductible then 50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Choice Plus Silver HSAQ**

2018 Q3

Employee Rate
$431.42
Employee and Child(ren) Rate
$733.41
Employee and Spouse Rate
$862.84
Family Rate
$1,229.55
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $2,100/$4,200
B: $3,425/$6,850
In-Network Coinsurance
A: $0
B: 50%
Primary Care/Specialist Office Visit
Deductible then
A: $35/$60
B: 50%
Telemedicine
(participating Teledoc® providers only)

A: Deductible then $0
B: Not applicable
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000 copay per stay
B: 50%
Emergency Room Services
Deductible then
A: $250
B: $250
Pharmacy*
Deductible then $15/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums
**Offered in Erie and Niagara counties only

Show Benefits +

NY PA Silver HSAQ

2018 Q3

Employee Rate
$475.71
Employee and Child(ren) Rate
$808.71
Employee and Spouse Rate
$951.42
Family Rate
$1,355.77
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,500/$5,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $15/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Passport Plan Silver HSAQ

2018 Q3

Employee Rate
$675.74
Employee and Child(ren) Rate
$1,148.76
Employee and Spouse Rate
$1,351.48
Family Rate
$1,925.86
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,500/$5,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $15/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Standard Bronze

2018 Q3

Employee Rate
$397.51
Employee and Child(ren) Rate
$675.77
Employee and Spouse Rate
$795.02
Family Rate
$1,132.90
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$4,000/$8,000
In-Network Coinsurance
50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy*
Deductible then $10/$35/$70
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Bronze Enhanced HSAQ

2018 Q3 New

Employee Rate
$404.03
Employee and Child(ren) Rate
$686.85
Employee and Spouse Rate
$808.06
Family Rate
$1,151.49
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$3,500/$7,000
In-Network Coinsurance
30%
Primary Care/Specialist Office Visit
Deductible then 30%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 30%
Emergency Room Services
Deductible then 30%
Pharmacy*
Deductible then then 30% on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Bronze HSAQ

2018 Q3

Employee Rate
$388.51
Employee and Child(ren) Rate
$660.47
Employee and Spouse Rate
$777.02
Family Rate
$1,107.25
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$4,425/$8,850
In-Network Coinsurance
50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy*
Deductible then 50% on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

iDirect Bronze MV HSAQ

2018 Q3

Employee Rate
$374.25
Employee and Child(ren) Rate
$636.23
Employee and Spouse Rate
$748.50
Family Rate
$1,066.61
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$6,550/$13,100
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $0 copay per stay
Emergency Room Services
Deductible then $0
Pharmacy*
Deductible then $0 on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Passport Plan Bronze HSAQ

2018 Q3

Employee Rate
$590.94
Employee and Child(ren) Rate
$1,004.60
Employee and Spouse Rate
$1,181.88
Family Rate
$1,684.18
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$4,425/$8,850
In-Network Coinsurance
50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine
(participating Teledoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy*
Deductible then 50% on all tiers
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums


Show Benefits +

Getting right back to you with an answer.

You get the advantage of having the same account manager for the last 10 years.

Offering employees the chance to earn $1,000* back on fresh produce.

Our nutrition benefit rewards your employees for eating healthy.
Learn more »

Touring your operation to better understand your business.

We go the extra mile to make sure you have the right benefits for your employees.

Making a personal visit to honor a FitWorks® Rewards winner.

With FitWorks, your employees can earn points for healthy activities.
Learn more »

*Money back is in the form of store credit for future purchases. Available on select Independent Health plans. Excludes Medicare Advantage plans. Benefits vary by plan.