Our employees are critical to our success. We want to offer health benefits that cover your health triangle.
Our plan now has tools that will help to ensure you are getting the care you need at the doctors you choose at fair rates.
Good Health Benefits Are as Simple as Buckets
HOW WE KEEP $$$ IN YOUR CLAIMS FUND….
Each month, dollars go into your company claims fund bucket. When medical events happen, dollars leave the bucket.
The better we are at not allowing health insurance to overcharge for our medical needs, the more dollars that stay in the buckets. Rates stabilize.
More dollars can stay with you, our valued employees via lower premiums or more HSA dollars.
1. Use Your Same Preferred Doctors & Facilities (Open Access Plans)
2. Save Significant Dollars with HCap’s Mack and Care Coordination
3. Keep Dollars and Grow Your Health Savings Accounts
4. Keep Lower Premium Rates Year to Year
Meet Mack! – Your AI Health Plan Assistant
HCap’s AI healthcare assistant, Mack, helps you get the right care, at the right time, from the provider or facility you choose—while helping reduce financial stress and improve your healthcare experience.Mack can also help you find cost-effective care options in your area and guide you through the process. It’s as simple as making a phone call and using this included service to help coordinate your care.
And Mack can even help you choose the HCap plan that best fits your needs for the year ahead.
You choose the doctor. You choose the facility. We help you get a better price. Care Coordination gives you access to Self-Pay Rates, helping you avoid unnecessarily high healthcare costs and potentially saving you and your Claims Fund significant money. Copay Plan? We can provide a debit card to pay your provider upfront at the Self-Pay Rate. HSA Plan?— simply ask for the Self-Pay Rate, that you want to pay today and pay the provider with your HSA Card.
Use Care Coordination to save thousands of dollars and you are guaranteed not to have a balance bill.
Rates for 65 years + available upon request
Similar to other insurance offerings that tend to have a higher premium, a deductible, and a potential for either an HSA or a Copay Plan. These plans have the best Rx Coverage of all offered plans. All preventive is 100% covered. Open Access Plans, so no network restrictions and guaranteed no balance bill if you use Care Coordination.
The more expensive option but may be the best option if needing the best Rx coverage and want a plan that works like a more traditional plan.
Questions about costs of specific prescriptions? Click Below
Your plan may include a Health Savings Account. Contributions can be made to this account per the chart below. Some contributions may be included in your health plan. Some contributions may be included due to your healthy behaviors through Doable Wellness. You can take full advantage of your HSA by adding additional contributions per the limits below. All HSA Contributions are tax free and can be used for any qualified medical expenses (click below).
Health Equity Bank Contact Info
Member Services 1 (866) 346-5800 or www.healthequity.com
