The health plan that gives your employees more.

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

Motivating employees to stay healthy with FitWorks® Rewards.

FitWorks® Rewards is an easy online program that keeps employees motivated with monthly rewards.
Learn more »

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

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

The better we all collaborate, the better your employees' care.

We're making it easier for physicians to deliver better care to your employees.
Learn more »

Community partnerships to help your employees stay active.

We offer several activities and programs to encourage healthy lifestyles.
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.

The plans shown below represent our 2018 Q4 Small Group plans. Download a printable version here.

To view our 2018 Q3 plans and rates, click here.

Show Plans By Metal Tier:

Standard Platinum

2018 Q4

Employee Rate
$672.63
Employee and Child(ren) Rate
$1,143.47
Employee and Spouse Rate
$1,345.26
Family Rate
$1,917.00
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$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 Q4

Employee Rate
$668.91
Employee and Child(ren) Rate
$1,137.15
Employee and Spouse Rate
$1,337.82
Family Rate
$1,906.39
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 Q4

Employee Rate
$606.93
Employee and Child(ren) Rate
$1,031.78
Employee and Spouse Rate
$1,213.86
Family Rate
$1,729.75
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 Q4

Employee Rate
$620.22
Employee and Child(ren) Rate
$1,054.37
Employee and Spouse Rate
$1,240.44
Family Rate
$1,767.63
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 Q4

Employee Rate
$1,002.55
Employee and Child(ren) Rate
$1,704.34
Employee and Spouse Rate
$2,005.10
Family Rate
$2,857.27
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 Q4

Employee Rate
$584.34
Employee and Child(ren) Rate
$993.38
Employee and Spouse Rate
$1,168.68
Family Rate
$1,665.37
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 Q4

Employee Rate
$518.54
Employee and Child(ren) Rate
$881.52
Employee and Spouse Rate
$1,037.08
Family Rate
$1,477.84
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 Q4

Employee Rate
$558.57
Employee and Child(ren) Rate
$949.57
Employee and Spouse Rate
$1,117.14
Family Rate
$1,591.92
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 Q4

Employee Rate
$536.47
Employee and Child(ren) Rate
$912.00
Employee and Spouse Rate
$1,072.94
Family Rate
$1,528.94
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 Q4

Employee Rate
$552.83
Employee and Child(ren) Rate
$939.81
Employee and Spouse Rate
$1,105.66
Family Rate
$1,575.57
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 Q4

Employee Rate
$523.55
Employee and Child(ren) Rate
$890.04
Employee and Spouse Rate
$1,047.10
Family Rate
$1,492.12
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

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NY PA Gold

2018 Q4

Employee Rate
$550.14
Employee and Child(ren) Rate
$935.24
Employee and Spouse Rate
$1,100.28
Family Rate
$1,567.90
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 Q4

Employee Rate
$760.55
Employee and Child(ren) Rate
$1,292.94
Employee and Spouse Rate
$1,521.10
Family Rate
$2,167.57
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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Standard Silver

2018 Q4

Employee Rate
$503.28
Employee and Child(ren) Rate
$855.58
Employee and Spouse Rate
$1,006.56
Family Rate
$1,434.35
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 Q4

Employee Rate
$493.12
Employee and Child(ren) Rate
$838.30
Employee and Spouse Rate
$986.24
Family Rate
$1,405.39
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


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iDirect Silver Copay HSAQ

2018 Q4

Employee Rate
$469.70
Employee and Child(ren) Rate
$798.49
Employee and Spouse Rate
$939.40
Family Rate
$1,338.65
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 Q4

Employee Rate
$455.32
Employee and Child(ren) Rate
$774.04
Employee and Spouse Rate
$910.64
Family Rate
$1,297.66
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 Q4

Employee Rate
$456.60
Employee and Child(ren) Rate
$776.22
Employee and Spouse Rate
$913.20
Family Rate
$1,301.31
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 Q4

Employee Rate
$440.06
Employee and Child(ren) Rate
$748.10
Employee and Spouse Rate
$880.12
Family Rate
$1,254.17
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 Q4

Employee Rate
$485.22
Employee and Child(ren) Rate
$824.87
Employee and Spouse Rate
$970.44
Family Rate
$1,382.88
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 Q4

Employee Rate
$689.26
Employee and Child(ren) Rate
$1,171.74
Employee and Spouse Rate
$1,378.52
Family Rate
$1,964.39
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 Q4

Employee Rate
$405.46
Employee and Child(ren) Rate
$689.28
Employee and Spouse Rate
$810.92
Family Rate
$1,155.56
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 Q4 New

Employee Rate
$412.11
Employee and Child(ren) Rate
$700.59
Employee and Spouse Rate
$824.22
Family Rate
$1,174.51
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 Q4

Employee Rate
$396.28
Employee and Child(ren) Rate
$673.68
Employee and Spouse Rate
$792.56
Family Rate
$1,129.40
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 Q4

Employee Rate
$381.73
Employee and Child(ren) Rate
$648.94
Employee and Spouse Rate
$763.46
Family Rate
$1,087.93
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 Q4

Employee Rate
$602.76
Employee and Child(ren) Rate
$1,024.69
Employee and Spouse Rate
$1,205.52
Family Rate
$1,717.87
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 +