Independent Health has lowered our premiums for 2016 for our small group plans, while offering a wide range of plan options and benefits. At Independent Health, we’re more than just a health plan – we're a team of RedShirtsSM focused on helping our members get healthy and stay healthy, ensuring they get the most from their health care dollar. From our innovative plan designs to a variety of unique benefits, tools and resources, Independent Health offers you the highest-quality health plan in Western New York for a low cost. So before you make any decisions, please take a minute to review the plans below.
To help you find the plan design that’s right for you, choose the scenario that best describes your needs:
You're looking to provide your employees with a set of rich benefits and a plan that’s simple to administer. You understand the premium is higher, but it’s worth giving your employees a copay plan that’s easy to use.
Learn more about our platinum plans
You want comprehensive coverage with lower premiums while taking the first step toward getting your employees more engaged in their health care decisions. You can do this by introducing a low deductible for employees to meet before a traditional health plan takes over with copays and/or coinsurance, protecting them from serious health care related expenses.
Learn more about our gold plans
You’re looking to provide you employees with quality health benefits. While your premium will be lower, there are additional deductibles and increased out-of-pocket costs associated with some benefits. The good news is most of these plans can be combined with a tax-savings program, such as a health savings account (HSA) or a health reimbursement arrangement (HRA), to help your employees build savings for future medical needs.
Learn more about our silver plans
You want quality health benefits at the lowest premium cost, and you understand this might require greater out-of-pocket cost share from your employees. These plans are high-deductible designs that will help your employees become more engaged in their health and the health care decisions they make. They, too, may provide the opportunity for employees to save for their long-term health care needs with an HSA or HRA.
Learn more about our bronze plans