Shopping for health insurance
on your own?
Open enrollment runs through January 31, 2020.

If you're shopping for a health plan for you or your family, we can guide you through it. We offer a wide range of plans, large network of doctors and specialists and out-of-area coverage. Plus, you can always count on the RedShirt® Treatment. We put in the little extra effort that means a lot and provide the support you depend on.

Talk with a RedShirt today to help you choose the best plan for you.
Call (716) 505-8515 or 1-855-210-9930.

The plans shown below represent our 2020 Individual Market Plans. Download a printable version here.
There may be additional plan options that you qualify for, depending on your individual income and circumstances. Let a RedShirt® help you understand the options you may qualify for.

Show Plans By Metal Tier:

Standard Platinum

2020

Individual Rate
$838.73
Individual and Child(ren) Rate
$1,425.84
Individual and Spouse Rate
$1,677.46
Child Only Rate (covered up to the end of the year in with the child turns 21)
$345.56
Family Rate
$2,390.38
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$35
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$100
Pharmacy3
$10/$30/$60

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FlexFit Platinum

2020

Individual Rate
$772.77
Individual and Child(ren) Rate
$1,313.71
Individual and Spouse Rate
$1,545.54
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$2,202.39
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$40
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$150
Pharmacy3
$5/$30/50%

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Choice Plus Platinum2

2020

Individual Rate
$735.20
Individual and Child(ren) Rate
$1,249.84
Individual and Spouse Rate
$1,470.40
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$2,095.32
In-Network Deductible
A: $0
B: $1,500/$3,000 (T)
In-Network Coinsurance
A: 0%
B: Deductible then 50%
Primary Care/Specialist Office Visit
A: $10/$40
B: Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

A: $500
B: Deductible then 50%
Emergency Room Services
A: $150
B: $150
Pharmacy3
$5/$30/50%

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Standard Gold

2020

Individual Rate
$692.24
Individual and Child(ren) Rate
$1,176.81
Individual and Spouse Rate
$1,384.48
Child Only Rate (covered up to the end of the year in with the child turns 21)
$285.20
Family Rate
$1,972.88
In-Network Deductible
$600/$1,200 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $25/Deductible then $40
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $150
Pharmacy3
$10/$35/$70

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iDirect Gold Copay

2020

Individual Rate
$644.87
Individual and Child(ren) Rate
$1,096.28
Individual and Spouse Rate
$1,289.74
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,837.88
In-Network Deductible
$1,250/$2,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$20/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
$150
Pharmacy3
$10/$40/50%

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Max Gold

2020 New

Individual Rate
$637.81
Individual and Child(ren) Rate
$1,084.28
Individual and Spouse Rate
$1,275.62
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,817.76
In-Network Deductible
$1,500/$3,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$20/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
$150
Pharmacy3
$10/Deductible then $40/Deductible then 50%

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Choice Plus Gold2

2020

Individual Rate
$606.81
Individual and Child(ren) Rate
$1,031.58
Individual and Spouse Rate
$1,213.62
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,729.41
In-Network Deductible
A: $1,250/$2,500 (T)
B: $2,750/$5,500 (T)
In-Network Coinsurance
A: 0%
B: Deductible then 50%
Primary Care/Specialist Office Visit
A: $20/Deductible then $50
B: Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000
B: 50%
Emergency Room Services
A: $150
B: $150
Pharmacy3
$10/$40/50%

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Standard Silver

2020

Individual Rate
$574.46
Individual and Child(ren) Rate
$976.58
Individual and Spouse Rate
$1,148.92
Child Only Rate (covered up to the end of the year in with the child turns 21)
$236.68
Family Rate
$1,637.21
In-Network Deductible
$1,300/$2,600 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,500
Emergency Room Services
Deductible then $250
Pharmacy3
$10/$35/$70

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iDirect Silver Copay HSAQ

2020

Individual Rate
$527.37
Individual and Child(ren) Rate
$896.53
Individual and Spouse Rate
$1,054.74
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,503.00
In-Network Deductible
$2,250/$4,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/Deductible then $60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $250
Pharmacy3
Deductible then $15/$50/50%

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Max Silver

2020

Individual Rate
$529.29
Individual and Child(ren) Rate
$899.79
Individual and Spouse Rate
$1,058.58
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,508.48
In-Network Deductible
$2,800/$5,600 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$35/Deductible then $60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $250
Pharmacy3
$15/Deductible then $50/Deductible then 50%

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Choice Plus Silver HSAQ2

2020

Individual Rate
$503.57
Individual and Child(ren) Rate
$856.07
Individual and Spouse Rate
$1,007.14
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,435.17
In-Network Deductible
A: $2,250/$4,500 (E)
B: $3,750/$7,500 (E)
In-Network Coinsurance
A: 0%
B: Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then
A: $35/$60 B: 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000 B: 50%
Emergency Room Services
Deductible then
A: $250 B: $250
Pharmacy3
Deductible then $15/$50/50%

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Standard Bronze

2020

Individual Rate
$442.35
Individual and Child(ren) Rate
$752.00
Individual and Spouse Rate
$884.70
Child Only Rate (covered up to the end of the year in with the child turns 21)
$182.25
Family Rate
$1,260.70
In-Network Deductible
$4,425/$8,850 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then 50% after 3 visits for Primary Care Allowance/Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy3
Deductible then $10/$35/$70

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iDirect Bronze Coinsurance HSAQ

2020

Individual Rate
$407.56
Individual and Child(ren) Rate
$692.85
Individual and Spouse Rate
$815.12
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,161.55
In-Network Deductible
$5,150/$10,300 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

Deductible then $0
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy3
Deductible then 50%

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Standard Catastrophic1

2020

Individual Rate
$279.58
Individual and Child(ren) Rate
$475.29
Individual and Spouse Rate
$559.16
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$796.80
In-Network Deductible
$8,150/$16,300 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0 after 3 visits for Primary Care Allowance/Deductible then $0
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)

$0
Inpatient Hospital Services
(per admission)

Deductible then $0
Emergency Room Services
Deductible then $0
Pharmacy3
Deductible then $0

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