Take a closer look at our new plans and rates for 2020.

We’re offering new plans like Activate Gold℠ – which gives employees up to $1,500* toward costs before the deductible kicks in. And our Passport Plan® Local – which covers employees who live in Western New York but travel out of the area. Plus, we’re the only WNY health plan to reduce our rates for 2020. See all the other things we can do to help both you and your employees get and stay healthy.


Before you choose a health plan:
Call us at 1-800-453-1910 or email us to have a RedShirt® contact you.

View plans and rates »

Our RedShirts℠ put in the extra effort that means a lot.

See how we help your employees get and stay healthy.
Learn more »

Offering employees the chance to earn $1,000** back on fresh produce.

Our nutrition benefit rewards your employees for eating healthy.
Learn more »

The better we all collaborate, the better your employees' care.

We're making it easier for physicians to deliver better care to your employees.
Learn more »

Community partnerships to help your employees stay active.

We offer several activities and programs to encourage healthy lifestyles.
Learn more »

*Coverage of $1,500 is for a family plan.
**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.

The plans shown below represent our 2020 Q4 Small Group plans. Download a printable version here.

To view our 2020 Q3 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2020 Q4
Employee Rate
$666.09
Employee and Child(ren) Rate
$1,132.35
Employee and Spouse Rate
$1,332.18
Family Rate
$1,898.36
First Dollar Coverage
N/A
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
Pharmacy1
$5/$30/50%

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Choice Plus Platinum2

2020 Q4
Employee Rate
$632.16
Employee and Child(ren) Rate
$1,074.67
Employee and Spouse Rate
$1,264.32
Family Rate
$1,801.66
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 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
Pharmacy1
$5/$30/50%

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iShare Platinum

2020 Q4
Employee Rate
$634.09
Employee and Child(ren) Rate
$1,077.95
Employee and Spouse Rate
$1,268.18
Family Rate
$1,807.16
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
20%
Primary Care/Specialist Office Visit
20%/20%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
20%
Emergency Room Services
20%
Pharmacy1
20%/20%/50%

Show Benefits +
Passport Plan Local Platinum4

2020 Q4 New
Employee Rate
$688.42
Employee and Child(ren) Rate
$1,170.31
Employee and Spouse Rate
$1,376.84
Family Rate
$1,962.00
First Dollar Coverage
N/A
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
Pharmacy1
$5/$30/50%

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Activate Gold℠

2020 Q4 New
Employee Rate
$551.90
Employee and Child(ren) Rate
$938.23
Employee and Spouse Rate
$1,103.80
Family Rate
$1,572.92
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 including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$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

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Standard Healthy NY Gold3

2020 Q4
Employee Rate
$513.82
Employee and Child(ren) Rate
$873.49
Employee and Spouse Rate
$1,027.64
Family Rate
$1,464.39
First Dollar Coverage
N/A
In-Network Deductible
$600/$1,200 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $25/$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
Pharmacy1
$10/$35/$70

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iDirect Gold Copay

2020 Q4
Employee Rate
$578.05
Employee and Child(ren) Rate
$982.69
Employee and Spouse Rate
$1,156.10
Family Rate
$1,647.44
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 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
Pharmacy1
$10/$40/50%

Show Benefits +
iDirect Gold Copay HSAQ
HealthEquity

2020 Q4
Employee Rate
$549.37
Employee and Child(ren) Rate
$933.93
Employee and Spouse Rate
$1,098.74
Family Rate
$1,565.70
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $20/$50
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 $150
Pharmacy1
Deductible then $10/$40/50%

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Max Gold

2020 Q4
Employee Rate
$561.41
Employee and Child(ren) Rate
$954.40
Employee and Spouse Rate
$1,122.82
Family Rate
$1,600.02
First Dollar Coverage
N/A
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
Deductible then $150
Pharmacy1
$10/Deductible then $40/
Deductible then 50%

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iDirect Gold Coinsurance HSAQ
HealthEquity

2020 Q4
Employee Rate
$532.09
Employee and Child(ren) Rate
$904.55
Employee and Spouse Rate
$1,064.18
Family Rate
$1,516.46
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
Deductible then 20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

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Choice Plus Gold2

2020 Q4
Employee Rate
$551.54
Employee and Child(ren) Rate
$937.62
Employee and Spouse Rate
$1,103.08
Family Rate
$1,571.89
First Dollar Coverage
N/A
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
Pharmacy1
$10/$40/50%

Show Benefits +
iShare Gold

2020 Q4
Employee Rate
$551.34
Employee and Child(ren) Rate
$937.28
Employee and Spouse Rate
$1,102.68
Family Rate
$1,571.32
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
40%
Primary Care/Specialist Office Visit
40%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
40%
Emergency Room Services
40%
Pharmacy1
40%/40%/50%

Show Benefits +
Passport Plan Local Gold HSAQ4
HealthEquity

2020 Q4 New
Employee Rate
$549.11
Employee and Child(ren) Rate
$933.49
Employee and Spouse Rate
$1,098.22
Family Rate
$1,564.96
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
Deductible then 20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

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Standard Silver

2020 Q4
Employee Rate
$539.92
Employee and Child(ren) Rate
$917.86
Employee and Spouse Rate
$1,079.84
Family Rate
$1,538.77
First Dollar Coverage
N/A
In-Network Deductible
$1,300/$2,600 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/$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
Pharmacy1
$10/$35/$70

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iDirect Silver Copay

2020 Q4
Employee Rate
$502.37
Employee and Child(ren) Rate
$854.03
Employee and Spouse Rate
$1,004.74
Family Rate
$1,431.75
First Dollar Coverage
N/A
In-Network Deductible
$2,250/$4,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/$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
Pharmacy1
$15/$50/50%

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iDirect Silver Copay HSAQ
HealthEquity

2020 Q4
Employee Rate
$490.87
Employee and Child(ren) Rate
$834.48
Employee and Spouse Rate
$981.74
Family Rate
$1,398.98
First Dollar Coverage
N/A
In-Network Deductible
$2,250/$4,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/$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
Pharmacy1
Deductible then $15/$50/50%

Show Benefits +
iDirect Silver Coinsurance HSAQ
HealthEquity

2020 Q4
Employee Rate
$467.15
Employee and Child(ren) Rate
$794.16
Employee and Spouse Rate
$934.30
Family Rate
$1,331.38
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 including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +
Max Silver

2020 Q4
Employee Rate
$498.08
Employee and Child(ren) Rate
$846.74
Employee and Spouse Rate
$996.16
Family Rate
$1,419.53
First Dollar Coverage
N/A
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
Pharmacy1
$15/Deductible then $50/Deductible then 50%

Show Benefits +
iDirect Silver Blended HSAQ
HealthEquity

2020 Q4
Employee Rate
$461.57
Employee and Child(ren) Rate
$784.67
Employee and Spouse Rate
$923.14
Family Rate
$1,315.47
First Dollar Coverage
N/A
In-Network Deductible
$3,000/$6,000 (T)
In-Network Coinsurance
Deductible then 25%
Primary Care/Specialist Office Visit
Deductible then $35/$60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 25%
Emergency Room Services
Deductible then 25%
Pharmacy1
Deductible then $15/25%/50%

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Choice Plus Silver HSAQ2
HealthEquity

2020 Q4
Employee Rate
$476.06
Employee and Child(ren) Rate
$809.30
Employee and Spouse Rate
$952.12
Family Rate
$1,356.77
First Dollar Coverage
N/A
In-Network Deductible
A: $2,250/$4,500 (T)
B: $3,750/$7,500 (T)
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
Pharmacy1
Deductible then $15/$50/50%

Show Benefits +
Passport Plan Local Silver HSAQ4
HealthEquity

2020 Q4 New
Employee Rate
$482.10
Employee and Child(ren) Rate
$819.57
Employee and Spouse Rate
$964.20
Family Rate
$1,373.99
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 including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +
Standard Bronze

2020 Q4
Employee Rate
$440.02
Employee and Child(ren) Rate
$748.03
Employee and Spouse Rate
$880.04
Family Rate
$1,254.06
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then $10/$35/$70

Show Benefits +
iDirect Bronze Blended HSAQ
HealthEquity

2020 Q4
Employee Rate
$440.21
Employee and Child(ren) Rate
$748.36
Employee and Spouse Rate
$880.42
Family Rate
$1,254.60
First Dollar Coverage
N/A
In-Network Deductible
$4,000/$8,000 (E)
In-Network Coinsurance
Deductible then 30%
Primary Care/Specialist Office Visit
Deductible then $40/$60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
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
HealthEquity

2020 Q4
Employee Rate
$429.07
Employee and Child(ren) Rate
$729.42
Employee and Spouse Rate
$858.14
Family Rate
$1,222.85
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then 50%

Show Benefits +
iDirect Bronze MV HSAQ
HealthEquity

2020 Q4
Employee Rate
$426.38
Employee and Child(ren) Rate
$724.85
Employee and Spouse Rate
$852.76
Family Rate
$1,215.18
First Dollar Coverage
N/A
In-Network Deductible
$6,750/$13,500 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then $0
Emergency Room Services
Deductible then $0
Pharmacy1
Deductible then $0

Show Benefits +
iDirect Bronze MV

2020 Q4 New
Employee Rate
$405.85
Employee and Child(ren) Rate
$689.95
Employee and Spouse Rate
$811.70
Family Rate
$1,156.67
First Dollar Coverage
N/A
In-Network Deductible
$8,150/$16,300 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
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
Pharmacy1
Deductible then $0

Show Benefits +
Passport Plan Local Bronze HSAQ4
HealthEquity

2020 Q4 New
Employee Rate
$442.55
Employee and Child(ren) Rate
$752.34
Employee and Spouse Rate
$885.10
Family Rate
$1,261.27
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then 50%

Show Benefits +
OON coverage only applies to non-participating providers outside the 8 counties of WNY
1All pharmacy copays/coinsurance accumulate to out-of-pocket maximums
2Offered in Erie and Niagara counties only
3Specific qualifications must be met
4Members must reside in the 8 counties of WNY. National plans available upon request.
(E) Embedded Deductible
(T) True Family (Non Embedded) Deductible

© 2020 Independent Health Association, Inc.