water cooler

Let’s actually encourage employees to go here.
And the gym. And the bike path. And the produce aisle.

Helping to keep your business healthy – by keeping your employees healthy.
Addressing the well-being of your employees can help your small business curb costs by reducing absences, increasing productivity and even lowering health care costs. Independent Health offers you a wide variety of benefits and resources that make it easier for your employees to live a healthy lifestyle, in turn allowing you to keep your business healthy including:

Nutrition Benefit:

Opportunity to earn up to $1,000* back for buying fresh produce at TOPS Friendly Markets.
»Learn more.

$250 Health Extras MasterCard®:

For use on a wide variety of health and fitness activities.
»Learn more.

FitWorks® Rewards:

Online wellness program that rewards healthy behavior, with no extra work for you.
»Learn more.

Telemedicine:

Access to 24/7 care by phone or online video when they can’t reach their doctor.
»Learn more.

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

To learn more: Call us at 1-800-453-1910 or
email us to have a RedShirt contact you.

The plans shown below represent our 2017 Q3 Small Group plans. Download a printable version here.

To view our 2017 Q2 plans and rates, click here.

Show Plans By Metal Tier:

Standard Platinum

2017 Q3

Employee Rate
$572.20
Employee and Child(ren) Rate
$972.74
Employee and Spouse Rate
$1,144.40
Family Rate
$1,630.77
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

Show Benefits +

FlexFit Platinum

2017 Q3

Employee Rate
$567.13
Employee and Child(ren) Rate
$964.12
Employee and Spouse Rate
$1,134.26
Family Rate
$1,616.32
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)

$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

Show Benefits +

iDirect Platinum

2017 Q3

Employee Rate
$529.20
Employee and Child(ren) Rate
$899.64
Employee and Spouse Rate
$1,058.40
Family Rate
$1,508.22
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 Q3

Employee Rate
$544.43
Employee and Child(ren) Rate
$925.53
Employee and Spouse Rate
$1,088.86
Family Rate
$1,551.63
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 Q3

Employee Rate
$1,071.31
Employee and Child(ren) Rate
$1,821.23
Employee and Spouse Rate
$2,142.62
Family Rate
$3,053.23
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

Show Benefits +

Standard Gold

2017 Q3

Employee Rate
$502.02
Employee and Child(ren) Rate
$853.43
Employee and Spouse Rate
$1,004.04
Family Rate
$1,430.76
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 Q3

Employee Rate
$448.40
Employee and Child(ren) Rate
$762.28
Employee and Spouse Rate
$896.80
Family Rate
$1,277.94
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 Q3

Employee Rate
$501.37
Employee and Child(ren) Rate
$852.33
Employee and Spouse Rate
$1,002.74
Family Rate
$1,428.90
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 Q3

Employee Rate
$448.20
Employee and Child(ren) Rate
$761.94
Employee and Spouse Rate
$896.40
Family Rate
$1,277.37
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 Q3

Employee Rate
$483.05
Employee and Child(ren) Rate
$821.19
Employee and Spouse Rate
$966.10
Family Rate
$1,376.69
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 Q3

Employee Rate
$471.53
Employee and Child(ren) Rate
$801.60
Employee and Spouse Rate
$943.06
Family Rate
$1,343.86
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 Q3

Employee Rate
$505.44
Employee and Child(ren) Rate
$859.25
Employee and Spouse Rate
$1,010.88
Family Rate
$1,440.50
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 +

Passport Plan Gold

2017 Q3

Employee Rate
$852.99
Employee and Child(ren) Rate
$1,450.08
Employee and Spouse Rate
$1,705.98
Family Rate
$2,431.02
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 Q3

Employee Rate
$437.25
Employee and Child(ren) Rate
$743.33
Employee and Spouse Rate
$874.50
Family Rate
$1,246.16
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 Q3

Employee Rate
$436.28
Employee and Child(ren) Rate
$741.68
Employee and Spouse Rate
$872.56
Family Rate
$1,243.40
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 Q3

Employee Rate
$404.70
Employee and Child(ren) Rate
$687.99
Employee and Spouse Rate
$809.40
Family Rate
$1,153.40
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 Q3

Employee Rate
$398.81
Employee and Child(ren) Rate
$677.98
Employee and Spouse Rate
$797.62
Family Rate
$1,136.61
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 Q3

Employee Rate
$429.30
Employee and Child(ren) Rate
$729.81
Employee and Spouse Rate
$858.60
Family Rate
$1,223.51
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 Q3

Employee Rate
$389.29
Employee and Child(ren) Rate
$661.79
Employee and Spouse Rate
$778.58
Family Rate
$1,109.48
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 Q3

Employee Rate
$420.74
Employee and Child(ren) Rate
$715.26
Employee and Spouse Rate
$841.48
Family Rate
$1,199.11
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 Q3

Employee Rate
$715.01
Employee and Child(ren) Rate
$1,215.52
Employee and Spouse Rate
$1,430.02
Family Rate
$2,037.78
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 Q3

Employee Rate
$341.98
Employee and Child(ren) Rate
$581.37
Employee and Spouse Rate
$683.96
Family Rate
$974.64
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 Q3

Employee Rate
$338.03
Employee and Child(ren) Rate
$574.65
Employee and Spouse Rate
$676.06
Family Rate
$963.39
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 Q3New

Employee Rate
$320.60
Employee and Child(ren) Rate
$545.02
Employee and Spouse Rate
$641.20
Family Rate
$913.71
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 Q3

Employee Rate
$596.25
Employee and Child(ren) Rate
$1,013.63
Employee and Spouse Rate
$1,192.50
Family Rate
$1,699.31
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 +