Group Health Insurance

Did you know that group health insurance can be up to 40% less expensive than the EXACT SAME insurance on the individual market! Contact us or look below to see if you can lower your insurance bill. If you come aboard you’ll also join our health insurance funding pool to cover high cost medical procedures as well as have access to other benefits such as dental, vision, disability, life insurance, and more.

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HMO Silver Proactive

The most “cost effective” if you are relatively healthy. This plan splits the network into 3 “tiers” where tier 2 & 3 providers cost more. There is a deductible that only applies to tier 2 & 3 hospitals / outpatient facilities… so larger ticket items should be done at a tier 1 facility

Benefit Summary
Rates per person
Facility Tiers
Find a Doctor

For “Your Plan” select “Medical” then “Keystone HMO Proactive”

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HMO Gold Proactive

Like the HMO Silver Proactive but with lower copays and no deductible. Note that both St Christophers & CHOP are tier 2… so if you have kids… this might be a necessary option. However, check out the state run CHIP, It’s cheaper and better!

Benefit Summary
Rates per person
Facility Tiers
Find a Doctor

For “Your Plan” select “Medical” then “Keystone HMO Proactive”

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PPO Silver Secure

A health insurance option with national coverage. The HMO options are great for the Philadelphia area, but if you live / travel outside the the Philadelphia are then ANY “Blue Cross” or “Blue Shield” across the country will be considered in-network!

Benefit Summary
Rates per person
Find a Doctor

For “Your Plan” select “Medical” then “Personal Choice PPO”

HEALTHY Health Insurance

If you are healthy and just want catastrophic coverage, we have a great option for you!

Your total catastrophic medical costs would be capped at $5000* and your premiums might be:

30 years old: $136.17 per month
40 years old: $170.45 per month
50 years old: $257.50 per month
60 years old: $355.09 per month

* Rates dependent upon medical underwriting; Pre-existing medical exclusion conditions apply (like insurance before the Affordable Care Act). Emergency Room & Urgent Care Copays do not count towards catastrophic medical costs. Prescription drug are not covered. These plans should only be considered if you are very healthy.

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Claims Funding Pool

A portion of our revenue goes into a medical funding pool that will help our members pay when high cost claims are incurred. Because we’re all fellow travelers on this planet.

NOTE: we typically require copays / coinsurance amount of greater than $1000 to be considered for reimbursement.

Help Navigating the System

You’ll have an HR department that really works to help you navigate the health insurance system and make the best choices to help you get the most out of your benefits.

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