Health Plans

Networks:

Traditional HMO Network Plan
This plan utilizes Medical Associates Clinic Practitioners, Family Care Network, and most of the family medicine physicians outside of Dubuque (in our service area). Mercy Medical Center and Finley Hospital, along with all of the hospitals within a 60-mile radius, are included in the network.

Community Health Plan
This plan provides access to nearly all physicians located in Dubuque and the surrounding area. Medical Associates Clinic practitioners, Family Care Network, all physicians associated with the Tri-State IPA (Independent Physician Association), and most of the family medicine physicians outside of Dubuque (in our service area). Mercy Medical Center and Finley Hospital, along with all of the hospitals within a 60-mile radius, are included in the network.

Fully Insured Plans:

Traditional Copay Plans
If you desire top-of-the-line benefits, these plans offer first dollar benefit coverage. Plans have $0 deductible and affordable office visit copays and hospital copays. Employees enjoy the luxury of one copayment for their doctor visit.

Copay + Deductible Plans
If you are looking for a plan that offers premium reduction, these plans maintain affordable office copays, but are designed with deductibles applying to hospital related services. This encourages employees to receive preventive and routine care for their family as needed. Applying a deductible to hospital services helps to reduce premiums and employer costs.

HSA and HRA Plans
Employers and employees desiring to get more involved with their health insurance premiums are considering HSA and HRA plan designs. Reduced premiums allow employers to help fund higher deductibles, and can also allow members to fund their HSA accounts for future medical costs. Some HRA plans are designed to have office copays to reduce the employee liability for routine care, and to encourage them to receive their annual physical.

Point Of Service Plans
Many employers want to offer freedom of choice. Point of Service (POS) plans allow the employees to utilize network providers with affordable office visit copays and lower deductibles or incur a higher deductible and coinsurance when using an out-of-network provider. These plans provide the employee with access to the healthcare provider of their choice – anywhere.

Additional Services
We provide options for a full employee benefit package through Health Choices, our third party administrator (TPA) for self-funded plans, including dental, life, short-term disability, vision, flexible spending, HRA, and COBRA administration. Each plan can be custom-designed to fit your needs.

Iowa 2012
Small Group CHP $10/$200
Small Group CHP $15/$200
Small Group CHP $15/$400
Small Group CHP $20/$400
Small Group CHP $10/90/10
Small Group CHP $15/90/10
Small Group CHP $20/90/10 - $500/$1000 - $2000/$4000
Small Group CHP $20/90/10 - $1000/$2000 - $3000/$6000
Small Group CHP $10/80/20
Small Group CHP $15/80/20
Small Group CHP $20/80/20 - $500/$1000 - $2000/$4000
Small Group CHP $20/80/20 - $1000/$2000 - $2000/$4000
Small Group CHP $20/80/20 - $1000/$2000 - $3000/$6000
Small Group CHP $20/80/20 - $1500/$3000 - $3500/$7000
Small Group CHP $25/80/20 - $2000/$4000 - $4000/$8000
Small Group CHP $30/80/20 - $2500/$5000 - $5000/$10000

Small Group POS $10/$200 - $200/$400 - 80/20
Small Group POS $10/$200 - $300/$600 - 75/25
Small Group POS $20/$400 - $300/$600 - 70/30
Small Group POS $10/90/10 - $1000/$2000 - 70/30
Small Group POS $15/80/20 - $2000/$4000 - 70/30
Small Group POS $20/80/20 - $2500/$5000 - 60/40

RX $5/$10
RX $10/$20
RX $10/$30
RX $15/$30
RX $15/$45

Illinois 2012
Small Group CHP $10/$200
Small Group CHP $15/$200
Small Group CHP $15/$300
Small Group CHP $15/$400
Small Group CHP $20/$400
Small Group CHP $25/$500
Small Group CHP 80/20 - $1000/2500
Small Group CHP 80/20 - $3000/6000

Small Group HMO $10/$200
Small Group HMO $15/$200
Small Group HMO $15/$300
Small Group HMO $15/$400
Small Group HMO $20/$400
Small Group HMO $25/$500
Small Group HMO 80/20 - $1000/2500
Small Group HMO 80/20 - $3000/6000

RX $5/$10
RX $10/$20
RX $10/$30
RX $15/$30
RX $15/$45

Wisconsin 2012
Small Group HMO $10/$200
Small Group HMO $15/$200
Small Group HMO $15/$400
Small Group HMO $20/$35/400
Small Group HMO $20/$400
Small Group HMO $10/90/10
Small Group HMO $10/$25/90/10
Small Group HMO $15/$30/90/10
Small Group HMO $15/90/10
Small Group HMO $20/90/10 - $500/$1000 - $2000/$4000
Small Group HMO $20/90/10 - $1000/$2000 - $3000/$6000
Small Group HMO $10/80/20
Small Group HMO $15/80/20
Small Group HMO $20/80/20 - $500/$1000 - $2000/$4000
Small Group HMO $20/80/20 - $1000/$2000 - $2000/$4000
Small Group HMO $20/80/20 - $1000/$2000 - $3000/$6000
Small Group HMO $20/80/20 - $1500/$3000 - $3500/$7000
Small Group HMO $25/80/20 - $2000/$4000 - $4000/$8000
Small Group HMO $30/80/20 - $2500/$5000 - $5000/$10000

RX $5/$10
RX $10/$20
RX $10/$30
RX $15/$30
RX $15/$45