Traditional and Innovative Health Insurance Plans
Where 96% of All Medical Claims Are Treated
A Sterling Urgent Care Membership can be included in your health care strategy as a powerful way to control costs on medical expenses that don’t require emergency services. The total rates below INCLUDE a Sterling Urgent Care Membership.
You can visit a Sterling Urgent Care facility for allergies, fever and illness, flu shots, lacerations, physicals (annual and sports), primary care, sprains, broken bones and much more. Most care is included at no additional charge to you with a low cost of $15 for X-Rays, $10 Rx and $15 Lab Work.
The benefits with your Planstin Plan depends on your chosen plan.
HSA $ Listed Below is INCLUDED in the cost of your Premium.
Rates Below are Total Rates. We help determine best strategy for Employer participation in rates below.
Pairing with Zion HealthShare means no deductible to meet, rather for any qualifying expense (see Zion HealthShare member guidelines), you pay the first $1K (known as your Initial Unshareable Amount or IUA) of qualifying medical events and the HealthShare pays the rest. After you pay 3 IUAs, in a 12 month period, any other major event over $500 is paid by Zion HealthShare w/o requiring another $1K IUA. More money can go to HSA in HSA Plan or a Copay plan can be chosen. All Preventive is care 100% covered. Telemedicine is free. Rx Discount..
If an illness or injury exists that a person with Zion HealthShare coverage has been examined, diagnosed, taken medication, had symptoms or received medical treatment in the last 24 months , these medical needs will qualify for sharing by Zion HealthShare per the Pre-Membership Medical Condition Phase-In Period. Expenses related to mental health are not shareable with Zion HealthShare, but Amaze Tele-Mental Health can be added as a strong compliment for improving mental health and prescriptions are covered through Planstin.
Learning Curve: With these plans you present yourself as a “Self-Pay” Patient for anything that is not preventive coverage and pay for the coverage or the first $1K IUA using your HSA (if applicable). You have responsibility to learn the Zion HealthShare Member Guidelines. These innovative plans have Health Savings Account dollars built into the premium that you will receive in your HSA and can use for any qualifying medical expense! Note: High blood pressure, high cholesterol, and diabetes (types 1 & 2) are not considered pre-membership medical conditions as long as 1. no hospitalization for the condition in 12 months prior to joining and 2. the member is able to control the condition through medication or diet.
Your Planstin Plan can be used for:
Preventive Care
Copays (except HSA Plan)
HSA Acct (If HSA Plan selected)
Rx Coverage & Savings
Remember any medical conditions over $1,000 that are not classified as pre-membership needs will be covered by Zion HealthShare if selecting a plan that includes Zion HealthShare.
Needs are required to be submitted within 6 months of the date care was received.
Hospitalization
Surgery
Critical Illness
Maternity
Zion Medical Advocacy
Email for submitting bill/statements
needs@zionhealth.org
Pros: Similar to other all insurance offerings that have a fairly high deductible, potential for either an HSA or a Copay Plan and no need to ever present yourself as a self-pay patient. Has Telemedicine, Rx Savings up to 75% with Rx Out of Pocket Limits. All preventive is 100% covered. No network restrictions.
Cons: Significantly less money will be contributed by your company into your HSA with these options. If a major medical event occurs you will paying towards a much higher deductible than the $1K IUA with Zion HealthShare.
Learning Curve: None really. It is generally the more expensive option but may be the best option if dealing with a pre-existing condition or have had an event in the last 24 months that will only be covered according to the Zion HealthShare Pre-Membership Medical Condition Phase-In Period.
Planstin Contact Info
Member Services 888-920-7526 or
member@planstin.com
Claims Fax 435-631-9478 or
claims@planstin.com
The mission of Doable Wellness is to increase motivation to live a healthier life by providing incentives and tools that make healthy behaviors doable.
See all of the great tools available to you as part of your HCap Health Strategy by clicking 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
Contact Info
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