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 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

Show Benefits +

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


Show Benefits +

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


Show Benefits +

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


Show Benefits +

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 +

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.