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 Q2 Small Group plans. Download a printable version here.

To view our 2018 Q1 plans and rates, click here.

Show Plans By Metal Tier:

Standard Platinum

2018 Q2

Employee Rate
$646.51
Employee and Child(ren) Rate
$1,099.07
Employee and Spouse Rate
$1,293.02
Family Rate
$1,842.55
In-Network Deductible
(All plans accumulate as a true family deductible except standard plans.)

$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$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 Q2

Employee Rate
$642.92
Employee and Child(ren) Rate
$1,092.96
Employee and Spouse Rate
$1,285.84
Family Rate
$1,832.32
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 Q2

Employee Rate
$583.36
Employee and Child(ren) Rate
$991.71
Employee and Spouse Rate
$1,166.72
Family Rate
$1,662.58
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 Q2

Employee Rate
$596.13
Employee and Child(ren) Rate
$1,013.42
Employee and Spouse Rate
$1,192.26
Family Rate
$1,698.97
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 Q2

Employee Rate
$963.63
Employee and Child(ren) Rate
$1,638.17
Employee and Spouse Rate
$1,927.26
Family Rate
$2,746.35
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 Q2

Employee Rate
$561.65
Employee and Child(ren) Rate
$954.81
Employee and Spouse Rate
$1,123.30
Family Rate
$1,600.70
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 Q2

Employee Rate
$498.39
Employee and Child(ren) Rate
$847.26
Employee and Spouse Rate
$996.78
Family Rate
$1,420.41
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 Q2

Employee Rate
$536.88
Employee and Child(ren) Rate
$912.70
Employee and Spouse Rate
$1,073.76
Family Rate
$1,530.11
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 Q2

Employee Rate
$515.63
Employee and Child(ren) Rate
$876.57
Employee and Spouse Rate
$1,031.26
Family Rate
$1,469.55
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 $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 Q2

Employee Rate
$531.36
Employee and Child(ren) Rate
$903.31
Employee and Spouse Rate
$1,062.72
Family Rate
$1,514.38
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 Q2

Employee Rate
$503.22
Employee and Child(ren) Rate
$855.47
Employee and Spouse Rate
$1,006.44
Family Rate
$1,434.18
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 Q2

Employee Rate
$528.77
Employee and Child(ren) Rate
$898.91
Employee and Spouse Rate
$1,057.54
Family Rate
$1,506.99
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 Q2

Employee Rate
$731.01
Employee and Child(ren) Rate
$1,242.72
Employee and Spouse Rate
$1,462.02
Family Rate
$2,083.38
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 Q2

Employee Rate
$483.74
Employee and Child(ren) Rate
$822.36
Employee and Spouse Rate
$967.48
Family Rate
$1,378.66
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 Q2

Employee Rate
$473.97
Employee and Child(ren) Rate
$805.75
Employee and Spouse Rate
$947.94
Family Rate
$1,350.81
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 Q2

Employee Rate
$451.45
Employee and Child(ren) Rate
$767.47
Employee and Spouse Rate
$902.90
Family Rate
$1,286.63
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 Q2

Employee Rate
$437.65
Employee and Child(ren) Rate
$744.01
Employee and Spouse Rate
$875.30
Family Rate
$1,247.30
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 Q2

Employee Rate
$438.86
Employee and Child(ren) Rate
$746.06
Employee and Spouse Rate
$877.72
Family Rate
$1,250.75
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 Q2

Employee Rate
$422.97
Employee and Child(ren) Rate
$719.05
Employee and Spouse Rate
$845.94
Family Rate
$1,205.46
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 Q2

Employee Rate
$466.38
Employee and Child(ren) Rate
$792.85
Employee and Spouse Rate
$932.76
Family Rate
$1,329.18
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 Q2

Employee Rate
$662.49
Employee and Child(ren) Rate
$1,126.23
Employee and Spouse Rate
$1,324.98
Family Rate
$1,888.10
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 Q2

Employee Rate
$389.71
Employee and Child(ren) Rate
$662.51
Employee and Spouse Rate
$779.42
Family Rate
$1,110.67
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 Q2 New

Employee Rate
$396.11
Employee and Child(ren) Rate
$673.39
Employee and Spouse Rate
$792.22
Family Rate
$1,128.91
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 Q2

Employee Rate
$380.89
Employee and Child(ren) Rate
$647.51
Employee and Spouse Rate
$761.78
Family Rate
$1,085.54
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 Q2

Employee Rate
$366.91
Employee and Child(ren) Rate
$623.75
Employee and Spouse Rate
$733.82
Family Rate
$1,045.69
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 Q2

Employee Rate
$579.35
Employee and Child(ren) Rate
$984.90
Employee and Spouse Rate
$1,158.70
Family Rate
$1,651.15
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.