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Small business benefit packages

Our small business plans are offered in simplified, easy-to-understand packages that are compliant with health care reform and available at a full range of price points.

All plans:

  • Include tiered copay structure for PCP, specialist and urgent care services. These services are not subject to deductible. Learn more about tiered copays. (This does not apply to HSA plans.)
  • Include coinsurance (PriorityValue plans) or a $150 copay after deductible (all other plans) for advanced diagnostic imaging (preferred/in-network only), emergency room and ambulance services. Copay applies after member meets the deductible. (This does not apply to HSA plans.)
  • Include the 3-Tier Pharmacy with Specialty Drug Management plan. An option has already been selected for each plan (see below). Get 3-Tier Pharmacy with Specialty Drug Management copay details.
  • Have optional contraceptive coverage

Note: Click the plan name to open a benefit summary document for that plan option.

Benefit packages

Go to:

PriorityHMO plan packages

PlansCo-insuranceIndiv./family
deductible
PCP/specialist/
urgent care copays
Prescription drugsOut-of-pocket max
HMO 100-4 100% $250/$500 $20/$35/$75 $10/$40/$80/20%/20% N/A
HMO 100-5 100% $500/$1000 $20/$35/$75 $15/$50/$80/20%/20% N/A
HMO 100-1 100% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% N/A
HMO 100-2 100% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% N/A
HMO 100-3 100% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% N/A
HMO 80-5 80% $250/$500 $20/$35/$75 $10/$40/$80/20%/20% $1500/$3000
HMO 80-1 80% $500/$1000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
HMO 80-2 80% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
HMO 80-3 80% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
HMO 80-4 80% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
HMO 70-1 70% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $2500/$5000
HMO 70-2 70% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $2500/$5000
HMO 70-3 70% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $2500/$5000

PriorityPOS plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
POS 100-4 
Preferred benefits 100% $500/$1000 $20/$35/$75 $15/$50/$80/20%/20% N/A
Alternate benefits 70% $1000/$2000 30% $2500/$5000
POS 100-1  Preferred benefits 100% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% N/A
Alternate benefits 70% $2000/$4000 30% $2500/$5000
POS 100-2  Preferred benefits 100% $2000/$4000
$30/$45/$75
$20/$60/$80/20%/20% N/A
Alternate benefits 70% $4000/$8000 30% $2500/$5000
POS 100-3  Preferred benefits 100% $3000/$6000 $30/$45/$75
$20/$60/$80/20%/20% N/A
Alternate benefits 70% $6000/$12,000 30% $2500/$5000
POS 80-5  Preferred benefits 80% $250/$500 $20/$35/$75 $10/$40/$80/20%/20% $1500/$3000
Alternate benefits 60% $500/$1000 40% $3000/$6000
POS 80-1  Preferred benefits 80% $500/$1000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
Alternate benefits 60% $1000/$2000 40% $3000/$6000
POS 80-2  Preferred benefits 80% $1000/$2000 $20/$35/$75
$15/$50/$80/20%/20% $1500/$3000
Alternate benefits 60% $2000/$4000 40% $3000/$6000
POS 80-3  Preferred benefits 80% $2000/$4000 $30/$45/$75
$20/$60/$80/20%/20% $1500/$3000
Alternate benefits 60% $4000/$8000 40% $3000/$6000
POS 80-4  Preferred benefits 80% $3000/$6000 $30/$45/$75
$20/$60/$80/20%/20%
$1500/$3000
Alternate benefits 60% $6000/$12,000 40% $3000/$6000
POS 70-1  Preferred benefits 70% $1000/$2000 $20/$35/$75
$15/$50/$80/20%/20% $2500/$5000
Alternate benefits 50% $2000/$4000 50% $5000/$10000
POS 70-2 Preferred benefits 70% $2000/$4000 $30/$45/$75
$20/$60/$80/20%/20% $2500/$5000
Alternate benefits 50% $4000/$8000 50% $5000/$10000
POS 70-3  Preferred benefits 70% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $2500/$5000
Alternate benefits 50% $6000/$12,000 50% $5000/$10000

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PriorityPPO plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
PPO 100-1 In-network
100%
$1000/$2000
$20/$35/$75
$15/$50/$80/20%/20%
N/A
Out-of-network 70% $2000/$4000 30% $2500/$5000
PPO 100-2 In-network
100%
$2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% N/A
Out-of-network 70% $4000/$8000 30% $2500/$5000
PPO 100-3 In-network
100%
$3000/$6000
$30/$45/$75 $20/$60/$80/20%/20% N/A
Out-of-network 70% $6000/$12000 30% $2000/$5000
PPO 80-6 In-network 80% $250/$500 $20/$35/$75 $10/$40/$80/20%/20% $1500/$3000
Out-of-network 60% $500/$1000 40% $3000/$6000
PPO 80-1 In-network 80% $500/$1000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
Out-of-network 60% $1000/$2000 40% $3000/$6000
PPO 80-2 In-network 80% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
Out-of-network 60% $2000/$4000 40% $3000/$6000
PPO 80-3 In-network 80% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Out-of-network 60% $4000/$8000 40% $3000/$6000
PPO 80-4 In-network 80% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Out-of-network 60% $6000/$12000 40% $3000/$6000
PPO 70-1 In-network 70% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $2500/$5000
Out-of-network 50% $2000/$4000 50% $5000/$10,000
PPO 70-2 In-network 70% $2000/$4000
$30/$45/$75 $20/$60/$80/20%/20% $2500/$5000
Out-of-network 50% $4000/$8000 50% $5000/$10,000
PPO 70-3 In-network 70% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $2500/$5000
Out-of-network 50% $6000/$12000 50% $5000/$10,000

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PriorityValue HMO plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HMO VP 80-1 80% $500/$1000 0%/20%/20% $15/$50/$80/20%/20% $2500/$5000
HMO VP 80-2 80% $1000/$2000 0%/20%/20% $15/$50/$80/20%/20% $2500/$5000
HMO VP 80-3 80% $2000/$4000 0%/20%/20% $20/$60/$80/20%/20% $2500/$5000
HMO VP 70-1 70% $1000/$2000 0%/30%/30% $15/$50/$80/20%/20% $2500/$5000
HMO VP 70-2 70% $2000/$4000 0%/30%/30% $20/$60/$80/20%/20% $2500/$5000
HMO VP 70-3 70% $3000/$6000 0%/30%/30% $20/$60/$80/20%/20% $2500/$5000

PriorityValue POS plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
POS VP 80-1 Preferred benefits 80% $500/$1000 0%/20%/20% $15/$50/$80/20%/20%
$2500/$5000
Alternate benefits 60% $1000/$2000 40%/40%/40% $5000/$10,000
POS VP 80-2 Preferred benefits 80% $1000/$2000 0%/20%/20% $15/$50/$80/20%/20%
$2500/$5000
Alternate benefits 60% $2000/$4000 40%/40%/40% $5000/$10,000
POS VP 80-3  Preferred benefits 80%

$2000/$4000

0%/20%/20% $20/$60/$80/20%/20% $2500/$5000
Alternate benefits 60% $4000/$8000 40%/40%/40% $5000/$10,000
POS VP 70-1  Preferred benefits 70% $1000/$2000 0%/30%/30%
$15/$50/$80/20%/20% $2500/$5000
Alternate benefits 50% $2000/$4000 50%/50%/50% $5000/$10,000
POS VP 70-2  Preferred benefits 70% $2000/$4000 0%/30%/30%
$20/$60/$80/20%/20% $2500/$5000
Alternate benefits 50% $4000/$8000 50%/50%/50% $5000/$10,000
POS VP 70-3  Preferred benefits 70% $3000/$6000 0%/30%/30% $20/$60/$80/20%/20% $2500/$5000
Alternate benefits 50% $6000/$12,000 50%/50%/50% $5000/$10,000

PriorityValue PPO plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
PPO VP 80-1 In-network
80%
$500/$1000 0%/20%/20% $15/$50/$80/20%/20% $2500/$5000
Out-of-network 60% $1000/$2000 40%/40%/40% $5000/$10,000
PPO VP 80-2  In-network
80%
$1000/$2000 0%/20%/20% $15/$50/$80/20%/20% $2500/$5000
Out-of-network 60% $2000/$4000 40%/40%/40% $5000/$10,000
PPO VP 80-3  In-network
80%
$2000/$4000 0%/20%/20% $20/$60/$80/20%/20% $2500/$5000
Out-of-network 60% $4000/$8000 40%/40%/40% $5000/$10,000
PPO VP 70-1  In-network
70%
$1000/$2000 0%/30%/30% $15/$50/$80/20%/20% $1500/$3000
Out-of-network 50% $2000/$4000 50%/50%/50% $3000/$6000
PPO VP 70-2  In-network
70%
$2000/$4000 0%/30%/30% $20/$60/$80/20%/20% $2500/$5000
Out-of-network 50% $4000/$8000 50%/50%/50% $5000/$10,000
PPO VP 70-3  In-network
70%
$3000/$6000 0%/30%/30% $20/$60/$80/20%/20% $2500/$5000
Out-of-network 50% $6000/$12,000 50%/50%/50% $5000/$10,000

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PriorityHSA HMO plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HSA HMO 100-1 100% $2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
HSA HMO 100-2 100% $3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000
HSA HMO 80-1 80% $1200/$2400 Coinsurance after deductible $15/$50/$80/20%/20% $3000/$6000
HSA HMO 80-2 80% $2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
HSA HMO 80-3 80% $3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000

PriorityHSA POS plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HSA POS 100-1 Preferred benefits
100%
$2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
Alternate benefits 70% $4000/$8000 $6000/$12,000
HSA POS 100-2 Preferred benefits
100%
$3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000
Alternate benefits 70% $5000/$10,000 $8000/$16,000
HSA POS 80-1 Preferred benefits
80%
$1200/$2400 Coinsurance after deductible $15/$50/$80/20%/20% $3000/$6000
Alternate benefits 60% $3000/$6000 $5000/$10,000
HSA POS 80-2 Preferred benefits
80%
$2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
Alternate benefits 60% $4000/$8000 $6000/$12,000
HSA POS 80-3 Preferred benefits
80%
$3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000
Alternate benefits 60% $6000/$12,000 $8000/$16,000

PriorityHSA PPO plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HSA PPO 100-1 In-network100% $2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
Out-of-network 70% $4000/$8000 $6000/$12,000
HSA PPO 100-2  In-network
100%
$3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000
Out-of-network 70% $5000/$10000 $8000/$16,000
HSA PPO 80-1  In-network
80%
$1200/$2400 Coinsurance after deductible $15/$50/$80/20%/20% $3000/$6000
Out-of-network 60% $3000/$6000 $5000/$10,000
HSA PPO 80-2  In-network
80%
$2000/$4000 Coinsurance after deductible $20/$60/$80/20%/20% $4000/$8000
Out-of-network 60% $4000/$8000 $6000/$12,000
HSA PPO 80-3  In-network
80%
$3000/$6000 Coinsurance after deductible $20/$60/$80/20%/20% $5000/$10000
Out-of-network 60% $5000/$10000 $8000/$16,000

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PriorityHRA HMO plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HRA HMO 80-1 80% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
HRA HMO 80-2 80% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
HRA HMO 80-3 80% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000

PriorityHRA POS plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HRA POS 80-1  Preferred benefits 80% $1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
Alternate benefits 60% $2000/$4000 $3000/$6000
HRA POS 80-2  Preferred benefits 80% $2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Alternate benefits 60% $4000/$8000 $3000/$6000
HRA POS 80-3  Preferred benefits 80% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Alternate benefits 60% $6000/$12,000 $3000/$6000

PriorityHRA PPO plan packages

PlanscoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HRA PPO 80-1  In-network
80%
$1000/$2000 $20/$35/$75 $15/$50/$80/20%/20% $1500/$3000
Out-of-network 60% $2000/$4000 $3000/$6000
HRA PPO 80-2  In-network
80%
$2000/$4000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Out-of-network 60% $4000/$8000 $3000/$6000
HRA PPO 80-3  In-network 80% $3000/$6000 $30/$45/$75 $20/$60/$80/20%/20% $1500/$3000
Out-of-network 60% $6000/$12,000 $3000/$6000

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HealthbyChoice Achievements HMO plan packages

Plans
Coinsurance
Individual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum

HBCA HMO 90-1

Standard 70% $1000/$2000 $30/$45/$75 $10/$40/$80/20%/20% $1500/$3000
Choice 90% $250/$500 $20/$35/$75 $1000/$2000
HBCA HMO 80-1 Standard 70% $1500/$3000 $35/$50/$75 $15/$50/$80/20%/20% $3000/$6000
Choice 80% $500/$1000 $25/$40/$75 $2000/$4000
HBCA HMO 80-2 Standard 60% $2000/$4000 $40/$55/$75 $20/$60/$80/20%/20% $4000/$8000
Choice 80% $1000/$2000 $30/$45/$75 $3000/$6000

HealthbyChoice Achievements POS plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HBCA POS 90-1 Standard Preferred 70% $1000/$2000 $30/$45/$75 $10/$40/$80/20%/20% $1500/$3000
Standard Alternate 50% $2000/$4000 50%/50%/50% $3000/$6000
Choice Preferred 90% $250/$500 $20/$35/$75 $1000/$2000
Choice Alternate 70% $500/$1000 30%/30%/30% $2000/$4000
HBCA POS 80-1 Standard Preferred 70% $1500/$3000 $35/$50/$75 $15/$50/$80/20%/20% $3000/$6000
Standard Alternate 50% $3000/$6000 50%/50%/50% $6000/$12,000
Choice Preferred 80% $500/$1000 $25/$40/$75 $2000/$4000
Choice Alternate 60% $1000/$2000 40%/40%/40% $4000/$8000
HBCA POS 80-2 Standard Preferred 60% $2000/$4000 $40/$55/$75 $20/$60/$80/20%/20% $4000/$8000
Standard Alternate 50% $4000/$8000 50%/50%/50% $8000/$16,000
Choice Preferred 80% $1000/$2000 $30/$45/$75 $3000/$6000
Choice Alternate 60% $2000/$4000 40%/40%/40% $6000/$12,000

HealthbyChoice Achievements PPO plan packages

PlansCoinsuranceIndividual/family
deductible
PCP/specialist/urgent care copaysPrescription drugsOut-of-pocket maximum
HBCA PPO 90-1 Standard In-Network 70% $1000/$2000 $30/$45/$75 $10/$40/$80/20%/20% $1500/$3000
Standard Out-Network 50% $2000/$4000 50%/50%/50% $3000/$6000
Choice In-Network 90% $250/$500 $20/$35/$75 $1000/$2000
Choice Out-Network 70% $500/$1000 30%/30%/30% $2000/$4000
HBCA PPO 80-1 Standard In-Network 70% $1500/$3000 $35/$50/$75 $15/$50/$80/20%/20% $3000/$6000
Standard Out-Network 50% $3000/$6000 50%/50%/50% $6000/$12,000
Choice In-Network 80% $500/$1000 $25/$40/$75 $2000/$4000
Choice Out-Network 60% $1000/$2000 40%/40%/40% $4000/$8000
HBCA PPO 80-2 Standard In-Network 60% $2000/$4000 $40/$55/$75 $20/$60/$80/20%/20% $4000/$8000
Standard Out-Network 50% $4000/$8000 50%/50%/50% $8000/$16,000
Choice In-Network 80% $1000/$2000 $30/$45/$75 $3000/$6000
Choice Out-Network 60% $2000/$4000 40%/40%/40% $6000/$12,000

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3-tier pharmacy with specialty drug management copays

3-tier pharmacy with specialty drug management tiers
Generic Preferred brand Non-preferred brand Preferred specialty Non-preferred specialty Specialty annual OOP max per member2
$10 $40 $80 20%
$100 max
20%
$200 max
$2,400
$15 $50 $80 20%
$150 max
20%
$300 max
$3,600
$20 $60 $80 20%
$200 max
20%
$400 max
$4,800

Note: Contraceptive coverage is optional for all plans.

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1Specialty drugs covered under the medical benefit are subject to the same coinsurance/copay amount as the specialty drugs covered under the pharmacy benefit.

2The annual OOP max per member for specialty drugs applies separately to the medical and pharmacy benefits.

Last modified: 1/10/2012
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