Accepted Insurance Plans

Aetna PPO Preferred gives members the freedom to see any licensed provider without a referral — in-network or out-of-network. In-network visits come with significantly lower cost-sharing. The plan includes comprehensive prescription drug coverage, specialist access, mental and behavioral health benefits, and preventive care at no cost. Perfect for patients who travel frequently or want maximum flexibility in choosing their specialists across the United States without requiring PCP coordination.

Anthem Blue Cross PPO offers broad network access with no referral requirements, giving members the freedom to see any licensed provider in or out of network. As part of the Blue Cross Blue Shield Association, Anthem's network spans all 50 states through BlueCard reciprocity. Benefits include comprehensive medical, behavioral health, preventive care, and multi-tier prescription drug coverage. Anthem's Sydney Health app provides digital ID cards, cost estimates, telehealth access, and claims tracking, making benefit navigation simple and transparent for members and their families.

Blue Cross Blue Shield Blue Premier PPO is a top-tier preferred provider organization plan offering the widest network access and richest benefits in the BCBS portfolio. Members enjoy no referral requirements, access to over 1.7 million providers nationwide, enhanced specialist coverage, and premium prescription drug tiers including specialty medications. The plan also includes international emergency coverage, fitness reimbursement, and comprehensive mental health parity benefits — designed for individuals seeking maximum coverage and flexibility.

Humana Choice PPO provides members with the freedom to choose any licensed physician or hospital, with higher benefits when staying in-network. The plan is backed by Humana's Go365 wellness rewards program, which incentivizes healthy behaviors with points redeemable for gift cards and fitness gear. Comprehensive benefits include specialist access without referrals, prescription drug coverage, preventive care, mental health parity, and 24/7 telehealth through Humana's digital health platform. Particularly strong in the southeastern and south-central United States where Humana's network is most dense.

UnitedHealthcare Choice Plus PPO delivers expansive network access with the freedom to see any physician without a referral. The plan combines UnitedHealthcare's industry-leading national network with digital health tools including the UHC app, virtual visits, and 24/7 nurse line access. Benefits include comprehensive prescription coverage, mental health services, preventive care, and maternity support programs. Employers and individuals benefit from UHC's extensive data-driven wellness programs and care management resources that improve outcomes and reduce costs.

Aetna HMO Gold provides comprehensive in-network coverage with low copays and no deductible for primary care visits. Members must choose a primary care physician (PCP) who coordinates all referrals to specialists. The plan covers preventive care, hospitalization, prescription drugs, mental health services, and emergency care. Ideal for individuals and families who prefer a coordinated care model with predictable costs and access to Aetna's broad national network of hospitals and physicians.

Blue Cross Blue Shield Blue Select HMO offers affordable, coordinated healthcare through a curated network of high-quality providers. Members select a primary care physician who manages their overall care and specialist referrals. The plan emphasizes preventive and wellness services, chronic disease management programs, telehealth visits, and prescription coverage. BCBS operates in all 50 states through its network of 36 independent licensees, ensuring members have access to care wherever they live or travel.

Cigna LocalPlus HMO is a regionally focused plan that partners with select high-quality local health systems to deliver cost-effective, coordinated care. Members benefit from lower premiums while accessing Cigna's curated network of top-performing hospitals and physicians in their area. The plan includes primary care coordination, specialist referral management, prescription coverage, and Cigna's wellness programs including weight management, smoking cessation, and chronic condition support. An excellent option for individuals and families who primarily seek care close to home.

Kaiser Permanente HMO is one of America's most highly rated health plans, integrating insurance and healthcare delivery through its own network of hospitals, medical offices, and physicians. Members receive coordinated care from Kaiser's multidisciplinary care teams with an emphasis on prevention and chronic disease management. Benefits include comprehensive medical, dental, vision, pharmacy, and mental health services — all under one roof. Kaiser's electronic health record system ensures seamless communication between providers, resulting in consistently high patient satisfaction and clinical quality ratings.

Molina Healthcare HMO specializes in government-sponsored healthcare programs — Medicaid, Medicare, and Marketplace plans — serving over 5 million members across 18 states. The plan provides comprehensive managed care with an emphasis on preventive services, chronic disease management, and whole-person care that addresses medical and social needs. Molina's network includes community health centers and federally qualified health centers (FQHCs), ensuring access for underserved populations. Benefits include primary and specialty care, behavioral health integration, pharmacy benefits, and care coordination services.

UnitedHealthcare Navigate HMO is a value-focused plan that connects members with a dedicated primary care physician for coordinated, whole-person healthcare. The plan leverages UHC's advanced care navigation technology to help members find in-network specialists, estimate costs before appointments, and manage chronic conditions. Preventive care, mental health visits, telehealth consultations, and prescription drug coverage are included. Navigate HMO is ideal for cost-conscious members who prefer structured, guided access to care with lower monthly premiums.

Cigna Open Access Plus EPO combines the cost savings of an HMO with the no-referral flexibility of a PPO — members access a large network of providers without needing a PCP referral, but coverage is limited to in-network care except in emergencies. The plan includes robust behavioral health benefits, preventive screenings, Cigna's virtual care platform (MDLive), and comprehensive pharmacy benefits. Cigna's 24/7 customer service and online cost estimator tools make it easy for members to navigate their benefits and maximize value.

Oscar Health EPO is a tech-forward insurance plan built around simplicity, transparency, and digital-first healthcare access. Members benefit from $0 virtual primary care visits, free generic prescriptions, and Oscar's Concierge team — a dedicated team of care guides and nurses available by phone or app to help navigate care decisions. Oscar's mobile app shows real-time cost estimates, step-by-step care guidance, and seamless specialist referrals within its curated network. Designed for individuals and families who want modern, consumer-friendly health insurance with strong preventive care emphasis.

Humana Gold Plus HMO is a Medicare Advantage plan that replaces Original Medicare with comprehensive, all-in-one coverage including Part A, Part B, and Part D prescription drug benefits. Members enjoy additional benefits not covered by Original Medicare — dental, vision, hearing, fitness membership (SilverSneakers), over-the-counter allowance, and telehealth services. Care is coordinated through a primary care physician within Humana's senior-focused network. Designed for Medicare-eligible adults seeking richer benefits, lower out-of-pocket costs, and a supportive care coordination experience.

Medicare Advantage Complete (Medicare Part C) provides all Original Medicare benefits — hospital insurance (Part A) and medical insurance (Part B) — through an approved private plan, plus additional coverage including prescription drugs, dental, vision, and hearing. Members benefit from an annual out-of-pocket maximum not available under Original Medicare, providing financial protection against catastrophic medical costs. The plan emphasizes care coordination, preventive screenings, chronic care management, and telehealth access — helping Medicare beneficiaries aged 65 and older manage their health comprehensively.

Medicare Supplement Plan G (Medigap Plan G) is the most comprehensive Medicare supplemental policy available to new Medicare enrollees, covering nearly all out-of-pocket costs left by Original Medicare — including Part A coinsurance and hospital costs, Part B coinsurance, skilled nursing facility coinsurance, and foreign travel emergency care. Members pay only the Part B deductible annually, providing exceptional financial predictability for seniors with frequent healthcare needs. Plan G is available through multiple private insurance carriers and accepted at any Medicare-participating provider nationwide.

Medicaid Managed Care provides comprehensive health coverage for eligible low-income individuals and families, administered through contracted managed care organizations (MCOs). Coverage includes physician visits, hospital care, prescription drugs, mental health and substance use disorder treatment, preventive care, and long-term services and supports. Eligible members are enrolled in a managed care plan that coordinates their care through a primary care provider. This program serves over 70 million Americans, ensuring access to essential healthcare services regardless of ability to pay.

WellCare Medicaid HMO delivers state Medicaid benefits through a managed care model with enhanced coordination of physical, behavioral, and social health needs. WellCare's care management programs connect members with case managers who assist with appointment scheduling, transportation benefits, medication adherence, and social determinants of health such as food insecurity and housing instability. Benefits include unlimited physician visits, inpatient and outpatient hospital care, mental health services, substance abuse treatment, dental, vision, and pharmacy coverage for qualifying Medicaid enrollees.

CorporateCare Connect Plan is a self-funded employer health benefit plan designed for mid-to-large corporations seeking customized, cost-transparent healthcare coverage. The plan provides access to negotiated rates across a broad national network, with employer-tailored benefit designs including deductibles, copays, and coverage tiers. Features include employee wellness programs, onsite clinic integration, mental health Employee Assistance Programs (EAP), and pharmacy benefit management. Third-party administration (TPA) services ensure streamlined claims processing and compliance with ERISA and ACA requirements.

ClearPay Self-Pay Program offers uninsured and underinsured patients transparent, affordable access to healthcare services at pre-negotiated rates. Patients pay directly for services without insurance billing, benefiting from discounted cash-pay pricing across participating hospitals, clinics, labs, and imaging centers. ClearPay provides upfront cost estimates before every service, flexible payment plans, and a dedicated patient advocate team to help manage medical bills. Ideal for self-employed individuals, patients between coverage periods, or those whose insurance deductibles make direct payment more cost-effective.