Open-access plans let members see the health care providers they choose without referrals. This option’s all about flexibility – you choose what works for your company and your employees. You’ll find everything from extensive coverage to basic, cost-conscious options. Customize your plan with deductible, coinsurance and copay choices.

Whether your plan is fully or self-insured, you’ll find an option that’s right for your company. Choose a fully insured funding approach for a predetermined, guaranteed premium each month and protection from high claim costs. Choose a self-insured approach to maximize cash flow and increase flexibility.