Plans for Businesses with 151+ Employees
With Optima Health, you have several choices of large group health insurance plans, each of which can be tailored to meet your business’s coverage and cost needs.
All of our plans include our revolutionary health and wellness programs – MyLife MyPlan – to help your employees stay healthy, which helps you control costs. Personal Health Assessment provide customized personal wellness reports with health risk and lifestyle information. A Life Coach team with clinical, behavior and disease management specialists can help your employees improve health.
Optima Employee Assistance Program (EAP) offers dynamic services from individual counseling to crisis intervention, and are able to respond to a wide variety of needs. Additionally, we provide proactive support in the form of management consultations, information on emerging issues in the workplace, and skill-building training opportunities. Learn more about Optima EAP.
Optima Equity Health Savings Account (HSA)
Optima Equity is a consumer-driven health plan coupled with a Health Savings Account (HSA). Optima Equity offers savings for employers and employees via lower premiums and health savings account options. We can work with you to customize a plan to meet your budget.
- Best in class integrated claims and payment experience
- Lower premiums* with financial benefits for employers and employees
- Preventive coverage before deductible
- Customizable investment options
- Free debit cards
*As compared to traditional medical plans
Optima Design Health Reimbursement Account (HRA)
Optima Design (HRA) is a consumer-driven health plan. Optima Design offers savings for employers and employees via lower premiums and health savings account options. We can work with you to customize a plan to meet your budget.
- An employer-funded account
- Covers some deductible expenses for employees.
- Employers keep all unused funds remain
- The option to choose traditional copayments for prescriptions or to apply prescription costs toward the annual deductible total.
- Easy paperless record keeping
Optima Vantage Products
Our no-referral Health Maintenance Organization (HMO)
- No referrals required
- Comprehensive provider network
- Emergency coverage anywhere
Optima POS Products
Point of Service (POS) with out-of-network coverage.
- Statewide network
- Out-of-network care available to members
Optima Plus Products
Our Preferred Provider Organization (PPO) that adds a national network,
- In- and out-of-network benefits
- Access to a national provider network at in-network rates