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 Q4 Small Group plans. Download a printable version here.
To view our 2024 Q3 plans and rates, click here.
| FlexFit Platinum |
|---|
2024 Q4 |
| Employee Rate $826.66 |
| Employee and Child(ren) Rate $1,405.32 |
| Employee and Spouse Rate $1,653.32 |
| Family Rate $2,355.98 |
| 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% |
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| FlexFit Platinum Option 2 |
|---|
2024 Q4 |
| Employee Rate $846.79 |
| Employee and Child(ren) Rate $1,439.54 |
| Employee and Spouse Rate $1,693.58 |
| Family Rate $2,413.35 |
| 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 Q4 |
| Employee Rate $760.98 |
| Employee and Child(ren) Rate $1,293.67 |
| Employee and Spouse Rate $1,521.96 |
| Family Rate $2,168.79 |
| 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 Q4 |
| Employee Rate $1,155.17 |
| Employee and Child(ren) Rate $1,963.79 |
| Employee and Spouse Rate $2,310.34 |
| Family Rate $3,292.23 |
| 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 Q4 |
| Employee Rate $859.72 |
| Employee and Child(ren) Rate $1,461.52 |
| Employee and Spouse Rate $1,719.44 |
| Family Rate $2,450.20 |
| 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 Q4 |
| Employee Rate $672.98 |
| Employee and Child(ren) Rate $1,144.07 |
| Employee and Spouse Rate $1,345.96 |
| Family Rate $1,917.99 |
| 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 Q4 |
| Employee Rate $609.93 |
| Employee and Child(ren) Rate $1,036.88 |
| Employee and Spouse Rate $1,219.86 |
| Family Rate $1,738.30 |
| 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 $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/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2024 Q4 |
| Employee Rate $708.49 |
| Employee and Child(ren) Rate $1,204.43 |
| Employee and Spouse Rate $1,416.98 |
| Family Rate $2,019.20 |
| 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 Q4 |
| 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 $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 Q4 |
| Employee Rate $726.28 |
| Employee and Child(ren) Rate $1,234.68 |
| Employee and Spouse Rate $1,452.56 |
| Family Rate $2,069.90 |
| 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 Q4 |
| Employee Rate $683.27 |
| Employee and Child(ren) Rate $1,161.56 |
| Employee and Spouse Rate $1,366.54 |
| Family Rate $1,947.32 |
| 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 Q4 |
| Employee Rate $895.09 |
| Employee and Child(ren) Rate $1,521.65 |
| Employee and Spouse Rate $1,790.18 |
| Family Rate $2,551.01 |
| 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 Q4 |
| Employee Rate $675.19 |
| Employee and Child(ren) Rate $1,147.82 |
| Employee and Spouse Rate $1,350.38 |
| Family Rate $1,924.29 |
| 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 Q4 |
| Employee Rate $582.06 |
| Employee and Child(ren) Rate $989.50 |
| Employee and Spouse Rate $1,164.12 |
| Family Rate $1,658.87 |
| 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 Q4 |
| Employee Rate $626.24 |
| Employee and Child(ren) Rate $1,064.61 |
| Employee and Spouse Rate $1,252.48 |
| Family Rate $1,784.78 |
| 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 Q4 New |
| Employee Rate $633.84 |
| Employee and Child(ren) Rate $1,077.53 |
| Employee and Spouse Rate $1,267.68 |
| Family Rate $1,806.44 |
| 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/Deductible then $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 Q4 |
| Employee Rate $614.81 |
| Employee and Child(ren) Rate $1,045.18 |
| Employee and Spouse Rate $1,229.62 |
| Family Rate $1,752.21 |
| 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 Q4 |
| Employee Rate $569.69 |
| Employee and Child(ren) Rate $968.47 |
| Employee and Spouse Rate $1,139.38 |
| Family Rate $1,623.62 |
| 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 Q4 |
| Employee Rate $568.31 |
| Employee and Child(ren) Rate $966.13 |
| Employee and Spouse Rate $1,136.62 |
| Family Rate $1,619.68 |
| 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 Q4 |
| Employee Rate $790.56 |
| Employee and Child(ren) Rate $1,343.95 |
| Employee and Spouse Rate $1,581.12 |
| Family Rate $2,253.10 |
| 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 + |
|
Passport Plan Local Silver HSAQ4 |
|---|
2024 Q4 |
| Employee Rate $597.46 |
| Employee and Child(ren) Rate $1,015.68 |
| Employee and Spouse Rate $1,194.92 |
| Family Rate $1,702.76 |
| 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 + |
|
iDirect Bronze Blended HSAQ |
|---|
2024 Q4 |
| Employee Rate $521.60 |
| Employee and Child(ren) Rate $886.72 |
| Employee and Spouse Rate $1,043.20 |
| Family Rate $1,486.56 |
| 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 Q4 |
| Employee Rate $515.11 |
| Employee and Child(ren) Rate $875.69 |
| Employee and Spouse Rate $1,030.22 |
| Family Rate $1,468.06 |
| 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 Q4 |
| Employee Rate $521.22 |
| Employee and Child(ren) Rate $886.07 |
| Employee and Spouse Rate $1,042.44 |
| Family Rate $1,485.48 |
| 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 Q4 |
| Employee Rate $713.36 |
| Employee and Child(ren) Rate $1,212.71 |
| Employee and Spouse Rate $1,426.72 |
| Family Rate $2,033.08 |
| 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 Q4 |
| Employee Rate $541.05 |
| Employee and Child(ren) Rate $919.79 |
| Employee and Spouse Rate $1,082.10 |
| Family Rate $1,541.99 |
| 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 + |
