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Individual and family plans

Your health plan should meet both your health care and budget needs, so don't choose one based on price alone. The way you expect to use health care over the next year is just as important.

Open enrollment begins Nov. 1, 2017 and ends on Dec. 15, 2017.

If you need coverage that starts before Jan. 1, 2018, see if you qualify for special enrollment.

Three elements of coverage

Understand the three elements of health coverage

PLAN: The benefits that cover your care before and after you pay the deductible—some plans are rich (cover care at a higher level) and others are lean (cover care at a lower level).

NETWORK: The doctors, facilities and specialists we've contracted with to provide care to our members at a discounted price.

COST-SHARING: How you and BridgeSpan Health divide the cost of your care. The deductible and coinsurance options you choose affect your monthly premium.

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Stay in network and save money

Use in-network providers with an EPO plan

All of our plans are called "exclusive provider organization" (EPO) plans, which cover in-network care only. That means that if you go to a doctor who is not in your network, you are responsible for 100 percent of the costs (except for emergency services). (Note: In Idaho, members are responsible for 90 percent of the costs for out-of-network care.) EPO premiums are typically lower than PPO plans.

Find an in-network doctor 
 
Use Find a doctor to look for in-network doctors near home or work. Once you're a member and you sign in to BridgeSpan, Find a doctor gives you personalized search results based on your plan and network.
 
Get a network overview
 
If you need to understand what networks are, how they work and why they're important, we can help. Read up on it.
 

All our plans offer these benefits

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MDLIVE

Talk with a doctor by phone or video wherever you are, whenever you need it. MDLIVE usually costs less than an in-person visit and is especially useful when traveling.

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Preventive care

All of our plans cover in-network preventive services, including your annual physical, vaccinations and more. There's no out-of-pocket costs for you.

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10 essential benefits

You're covered for all of these benefits, which include maternity and newborn care, ER services, rehabilitation, prescriptions and more.

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Prescriptions

Our pharmacy resources help you make informed decisions about your medications. Plus, enjoy home delivery and access to thousands of participating pharmacies.

Which cost-sharing level is right for you?

Consider how you use health care to find your best fit.

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HDHPs with HSAs

A high-deductible health plan (HDHP) comes with a health savings account (HSA). It has a lower monthly premium but requires you to pay more of your health care costs. What's the advantage? You can deposit pre-tax dollars in your HSA to pay for your health expenses.