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 2017 Q4 Small Group plans. Download a printable version here.

To view our 2017 Q3 plans and rates, click here.

Show Plans By Metal Tier:

Standard Platinum

2017 Q4

Employee Rate
$580.78
Employee and Child(ren) Rate
$987.33
Employee and Spouse Rate
$1,161.56
Family Rate
$1,655.22
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)

$10
Inpatient Hospital Services
(per admission)

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

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FlexFit Platinum

2017 Q4

Employee Rate
$575.63
Employee and Child(ren) Rate
$978.57
Employee and Spouse Rate
$1,151.26
Family Rate
$1,640.55
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)

$10
Inpatient Hospital Services
(per admission)

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

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iDirect Platinum

2017 Q4

Employee Rate
$537.14
Employee and Child(ren) Rate
$913.14
Employee and Spouse Rate
$1,074.28
Family Rate
$1,530.85
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
Deductible then $0
Telemedicine
(participating Teledoc providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $0
Emergency Room Services
Deductible then $0
Pharmacy*
Deductible then $0
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Choice Plus Platinum

2017 Q4

Employee Rate
$552.59
Employee and Child(ren) Rate
$939.40
Employee and Spouse Rate
$1,105.18
Family Rate
$1,574.88
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $0
B: $1,000/$2,000
In-Network Coinsurance
A: 0%
B: 40%
Primary Care/Specialist Office Visit
A: $10/$30
B: Deductible then 40%
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

A: $500
B: Deductible then 40%
Emergency Room Services
$150
Pharmacy*
$4/$30/$100
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Passport Plan Platinum

2017 Q4

Employee Rate
$1,087.37
Employee and Child(ren) Rate
$1,848.53
Employee and Spouse Rate
$2,174.74
Family Rate
$3,099.00
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

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

$10
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$150
Pharmacy*
$4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

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Standard Gold

2017 Q4

Employee Rate
$509.55
Employee and Child(ren) Rate
$866.24
Employee and Spouse Rate
$1,019.10
Family Rate
$1,452.22
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)

$10
Inpatient Hospital Services
(per admission)

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

Show Benefits +

iDirect Gold HSAQ

2017 Q4

Employee Rate
$455.13
Employee and Child(ren) Rate
$773.72
Employee and Spouse Rate
$910.26
Family Rate
$1,297.12
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 $0
Telemedicine
(participating Teledoc providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $0
Emergency Room Services
Deductible then $0
Pharmacy*
Deductible then $0
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

iDirect Gold Copay

2017 Q4

Employee Rate
$508.89
Employee and Child(ren) Rate
$865.11
Employee and Spouse Rate
$1,017.78
Family Rate
$1,450.34
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$750/$1,500
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$45
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
$150
Pharmacy*
$4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

iDirect Gold Copay HSAQ

2017 Q4

Employee Rate
$454.93
Employee and Child(ren) Rate
$773.38
Employee and Spouse Rate
$909.86
Family Rate
$1,296.55
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 $10
Inpatient Hospital Services
(per admission)

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

Show Benefits +

Max Gold

2017 Q4

Employee Rate
$490.30
Employee and Child(ren) Rate
$833.51
Employee and Spouse Rate
$980.60
Family Rate
$1,397.36
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/$40
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then 20%
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

Show Benefits +

Choice Plus Gold

2017 Q4

Employee Rate
$478.59
Employee and Child(ren) Rate
$813.60
Employee and Spouse Rate
$957.18
Family Rate
$1,363.98
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $750/$1,500
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)

$10
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000
B: 50%
Emergency Room Services
$150
Pharmacy*
$4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

NY PA Gold

2017 Q4

Employee Rate
$513.02
Employee and Child(ren) Rate
$872.13
Employee and Spouse Rate
$1,026.04
Family Rate
$1,462.11
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
20%/Deductible then 20%
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
$4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Passport Plan Gold

2017 Q4

Employee Rate
$865.79
Employee and Child(ren) Rate
$1,471.84
Employee and Spouse Rate
$1,731.58
Family Rate
$2,467.50
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
20%/Deductible then 20%
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
$4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Standard Silver

2017 Q4

Employee Rate
$443.81
Employee and Child(ren) Rate
$754.48
Employee and Spouse Rate
$887.62
Family Rate
$1,264.86
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)

$10
Inpatient Hospital Services
(per admission)

Deductible then $1,500
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

2017 Q4

Employee Rate
$442.83
Employee and Child(ren) Rate
$752.81
Employee and Spouse Rate
$885.66
Family Rate
$1,262.07
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,700/$3,400
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/$50
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then $1,000
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

2017 Q4

Employee Rate
$410.77
Employee and Child(ren) Rate
$698.31
Employee and Spouse Rate
$821.54
Family Rate
$1,170.69
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$1,750/$3,500
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/$60
Telemedicine
(participating Teledoc providers only)

Deductible then $10
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $250
Pharmacy*
Deductible then $10/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

iDirect Silver Coinsurance HSAQ

2017 Q4

Employee Rate
$404.80
Employee and Child(ren) Rate
$688.16
Employee and Spouse Rate
$809.60
Family Rate
$1,153.68
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,000/$4,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc providers only)

Deductible then $10
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Max Silver

2017 Q4

Employee Rate
$434.74
Employee and Child(ren) Rate
$740.76
Employee and Spouse Rate
$871.48
Family Rate
$1,241.86
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,350/$4,700
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$35/Deductible then $50
Telemedicine
(participating Teledoc providers only)

$10
Inpatient Hospital Services
(per admission)

Deductible then $1,000
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

2017 Q4

Employee Rate
$395.13
Employee and Child(ren) Rate
$671.72
Employee and Spouse Rate
$790.26
Family Rate
$1,126.12
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

A: $1,750/$3,500
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)

Deductible then $10
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000
B: 50%
Emergency Room Services
Deductible then $250
Pharmacy*
Deductible then $10/$50/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

NY PA Silver HSAQ

2017 Q4

Employee Rate
$427.04
Employee and Child(ren) Rate
$725.97
Employee and Spouse Rate
$854.08
Family Rate
$1,217.06
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,000/$4,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc providers only)

Deductible then $10
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Passport Plan Silver HSAQ

2017 Q4

Employee Rate
$725.73
Employee and Child(ren) Rate
$1,233.74
Employee and Spouse Rate
$1,451.46
Family Rate
$2,068.33
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$2,000/$4,000
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine
(participating Teledoc providers only)

Deductible then $10
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy*
Deductible then $4/$30/50%
*All pharmacy copays/coinsurance accumulate to out-of-pocket maximums

Show Benefits +

Standard Bronze

2017 Q4

Employee Rate
$347.11
Employee and Child(ren) Rate
$590.09
Employee and Spouse Rate
$694.22
Family Rate
$989.26
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 $10
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 HSAQ

2017 Q4

Employee Rate
$343.10
Employee and Child(ren) Rate
$583.27
Employee and Spouse Rate
$686.20
Family Rate
$977.84
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 $10
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

2017 Q4New

Employee Rate
$325.40
Employee and Child(ren) Rate
$553.18
Employee and Spouse Rate
$650.80
Family Rate
$927.39
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
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

2017 Q4

Employee Rate
$605.19
Employee and Child(ren) Rate
$1,028.82
Employee and Spouse Rate
$1,210.38
Family Rate
$1,724.79
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 $10
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.