Competitive premiums, hands-on support, and a new national network — that's where quality coverage meets a healthy bottom line. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
The plans shown below represent our 2024 Q1 Small Group plans. Download a printable version here.
To view our 2023 Q4 plans and rates, click here.
| FlexFit Platinum |
|---|
2024 Q1 |
| Employee Rate $782.37 |
| Employee and Child(ren) Rate $1,330.03 |
| Employee and Spouse Rate $1,564.74 |
| Family Rate $2,229.75 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $150 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| FlexFit Platinum Option 2 |
|---|
2024 Q1 |
| Employee Rate $801.44 |
| Employee and Child(ren) Rate $1,362.45 |
| Employee and Spouse Rate $1,602.88 |
| Family Rate $2,284.10 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$25 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $150 |
| Pharmacy1 $5/$30/$100 |
Show Benefits + |
| Choice Plus Platinum2 |
|---|
2024 Q1 |
| Employee Rate $720.21 |
| Employee and Child(ren) Rate $1,224.36 |
| Employee and Spouse Rate $1,440.42 |
| Family Rate $2,052.60 |
| First Dollar Coverage N/A |
| 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 - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) A: $500 B: Deductible then 50% |
| Emergency Room Services A: $150 B: $150 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Passport Plan National Platinum |
|---|
2024 Q1 |
| Employee Rate $1,093.30 |
| Employee and Child(ren) Rate $1,858.61 |
| Employee and Spouse Rate $2,186.60 |
| Family Rate $3,115.91 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $150 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Passport Plan Local Platinum4 |
|---|
2024 Q1 |
| Employee Rate $813.67 |
| Employee and Child(ren) Rate $1,383.24 |
| Employee and Spouse Rate $1,627.34 |
| Family Rate $2,318.96 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $150 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Activate Gold |
|---|
2024 Q1 |
| Employee Rate $636.94 |
| Employee and Child(ren) Rate $1,082.80 |
| Employee and Spouse Rate $1,273.88 |
| Family Rate $1,815.28 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,500/$3,000 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 25% Coinsurance after first dollar and deductible |
| Emergency Room Services 25% Coinsurance after first dollar and deductible |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
Show Benefits + |
| Standard Healthy NY Gold3 |
|---|
2024 Q1 |
| Employee Rate $577.26 |
| Employee and Child(ren) Rate $981.34 |
| Employee and Spouse Rate $1,154.52 |
| Family Rate $1,645.19 |
| First Dollar Coverage N/A |
| In-Network Deductible $600/$1,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2024 Q1 |
| Employee Rate $670.55 |
| Employee and Child(ren) Rate $1,139.94 |
| Employee and Spouse Rate $1,341.10 |
| Family Rate $1,911.07 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,250/$2,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$40/50% |
Show Benefits + |
| iDirect Gold Copay Option 2 |
|---|
2024 Q1 |
| Employee Rate $681.64 |
| Employee and Child(ren) Rate $1,158.79 |
| Employee and Spouse Rate $1,363.28 |
| Family Rate $1,942.67 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,250/$2,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2024 Q1 |
| Employee Rate $687.39 |
| Employee and Child(ren) Rate $1,168.56 |
| Employee and Spouse Rate $1,374.78 |
| Family Rate $1,959.06 |
| First Dollar Coverage N/A |
| In-Network Deductible $600/$1,200 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2024 Q1 |
| Employee Rate $646.67 |
| Employee and Child(ren) Rate $1,099.34 |
| Employee and Spouse Rate $1,293.34 |
| Family Rate $1,843.01 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,600/$3,200 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2024 Q1 |
| Employee Rate $847.14 |
| Employee and Child(ren) Rate $1,440.14 |
| Employee and Spouse Rate $1,694.28 |
| Family Rate $2,414.35 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,600/$3,200 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ4 |
|---|
2024 Q1 |
| Employee Rate $639.03 |
| Employee and Child(ren) Rate $1,086.35 |
| Employee and Spouse Rate $1,278.06 |
| Family Rate $1,821.24 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,600/$3,200 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2024 Q1 |
| Employee Rate $550.89 |
| Employee and Child(ren) Rate $936.51 |
| Employee and Spouse Rate $1,101.78 |
| Family Rate $1,570.04 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,100/$6,200 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35/$60 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2024 Q1 |
| Employee Rate $592.69 |
| Employee and Child(ren) Rate $1,007.57 |
| Employee and Spouse Rate $1,185.38 |
| Family Rate $1,689.17 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,000/$4,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2024 Q1 New |
| Employee Rate $599.89 |
| Employee and Child(ren) Rate $1,019.81 |
| Employee and Spouse Rate $1,199.78 |
| Family Rate $1,709.69 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,100/$4,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $305/$655 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy1 $15/$40/$75 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2024 Q1 |
| Employee Rate $581.88 |
| Employee and Child(ren) Rate $989.20 |
| Employee and Spouse Rate $1,163.76 |
| Family Rate $1,658.36 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,000/$4,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2024 Q1 |
| Employee Rate $539.18 |
| Employee and Child(ren) Rate $916.61 |
| Employee and Spouse Rate $1,078.36 |
| Family Rate $1,536.66 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $15/20%/50% |
Show Benefits + |
|
Choice Plus Silver HSAQ2 |
|---|
2024 Q1 |
| Employee Rate $537.87 |
| Employee and Child(ren) Rate $914.38 |
| Employee and Spouse Rate $1,075.74 |
| Family Rate $1,532.93 |
| First Dollar Coverage N/A |
| In-Network Deductible A: $2,000/$4,000 (T) B: $3,500/$7,000 (T) |
| In-Network Coinsurance A: 0% B: Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then A: $35/$60 B: 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then A: $1,000 B: 50% |
| Emergency Room Services Deductible then A: $250 B: $250 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2024 Q1 |
| Employee Rate $748.21 |
| Employee and Child(ren) Rate $1,271.96 |
| Employee and Spouse Rate $1,496.42 |
| Family Rate $2,132.40 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (E) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $15/20%/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ4 |
|---|
2024 Q1 |
| Employee Rate $565.46 |
| Employee and Child(ren) Rate $961.28 |
| Employee and Spouse Rate $1,130.92 |
| Family Rate $1,611.56 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (E) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $15/20%/50% |
Show Benefits + |
|
iDirect Bronze Blended HSAQ |
|---|
2024 Q1 |
| Employee Rate $493.66 |
| Employee and Child(ren) Rate $839.22 |
| Employee and Spouse Rate $987.32 |
| Family Rate $1,406.93 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 30% |
| Primary Care/Specialist Office Visit Deductible then $40/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 30% |
| Emergency Room Services Deductible then 30% |
| Pharmacy1 Deductible then $20/30%/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2024 Q1 |
| Employee Rate $487.52 |
| Employee and Child(ren) Rate $828.78 |
| Employee and Spouse Rate $975.04 |
| Family Rate $1,389.43 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2024 Q1 |
| Employee Rate $493.30 |
| Employee and Child(ren) Rate $838.61 |
| Employee and Spouse Rate $986.60 |
| Family Rate $1,405.91 |
| First Dollar Coverage N/A |
| In-Network Deductible $7,500/$15,000 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2024 Q1 |
| Employee Rate $675.15 |
| Employee and Child(ren) Rate $1,147.76 |
| Employee and Spouse Rate $1,350.30 |
| Family Rate $1,924.18 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ4 |
|---|
2024 Q1 |
| Employee Rate $512.07 |
| Employee and Child(ren) Rate $870.52 |
| Employee and Spouse Rate $1,024.14 |
| Family Rate $1,459.40 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
