Our small business PriorityHRASM plans work a little differently from traditional HRA plans. In these plans, the employee will start paying toward the deductible, then once the employee meets a certain amount, the employer contribution kicks in for the remainder of the deductible. This is called an "employee-pays-first" model.
Once the employer contribution is used up on the deductible, the employee is responsible for all coinsurance and copayments until they meet the out-of-pocket maximum. Even if copayments occur, before deductible, the employee must pay them, too.
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PriorityHMOSM is our most popular health coverage option. It emphasizes health and wellness while managing medical costs, ensuring employees receive all the services they need, but none that are unnecessary. Members can go to any specialist in our network without a referral (but PCPs can coordinate medical care to help keep out-of-pocket costs low).
PriorityPOSSM plan benefits employers who are looking for the flexibility of traditional health plan but need the cost savings of managed care. In this plan, we offer our same extensive provider network. Employees can choose an in-network primary care physician (PCP) and receive full benefits. Employees can also seek care outside the network without a referral, but must pay more for out-of-pocket expenses.
PriorityPPOSM offers employees the greatest freedom of choice by providing in-network and out-of-network options. Employers reap the benefits of a low-cost health care plan, while employees can choose to see Priority Health network providers and pay less or visit non-network doctors or hospitals and pay more.