Flexible Group Medical Plans
Benefit from level-funded pools, access to top-tier doctors, and customizable care options designed for savings and quality care.
The 4 C’s of Health Plan Success
We are committed to providing the best products and service and will ensure your plan's success from the initial design to implementation and beyond.
Cost controls
Rising healthcare costs keep us up at night. That’s why we include effective programs with our medical plans that drive medical costs down and utilize the plan less. You can rest easy knowing EMI Health has the tools for keeping costs low.
Customization
We want to be a long-term benefits partner for you, and we know your organization’s needs may change as you grow. Our plan designs are customizable to fit your coverage needs and budget (including MEC plans in some states). We also have multiple funding levels so you get the best fit for your group.
Convenience
Getting medical services can be a headache and a hassle. That’s why we have invested in ways to make healthcare more accessible. With unlimited TeleMedicine calls, rich provider networks, onsite services, and concierge-level customer service, you can quickly get the care you need.
Customer Experience
If you think of insurance, you probably think of an industry that is difficult to work with and complex to understand. We get it, we aren’t invited to a lot of parties, so we are on a mission to defy that stereotype. We have world-class claims processing, fast and friendly customer service reps, and a culture of positivity. As such, we maintain one of the highest customer satisfaction ratings in the industry.
What else comes with EMI Health medical plans?
What most carriers consider paid add-ons, we throw in as standard. Check out some of the cost-containment, transparency, and resource tools we provide to you and your employees with all medical plans.
TeleMedicine
All medical plans include TeleMedicine. This gives employees and their family a way to speak with a doctor 24/7/365 from the comfort of their own home, all for free.
That’s right, members pay nothing for TeleMedicine consultations where they can get a diagnosis and have a prescription called in, all without leaving the couch.
Smart Cost Calculator
We feel members should have a clear idea of what their health care can cost before they move forward with treatment. This is why all our medical members have the Smart Cost Calculator.
With this online tool, members can search facilities, providers, and specific procedures to better understand costs and ratings before they visit the doctor.
Wellness Program
Our wellness program has everything from biometric screenings to an annual hiking challenge (with the potential for rewards). No matter where your employees are at on their health journey, we have support to help them get and stay well.
With a mix of onsite and virtual resources, you have lots of options for offering simple, cost-effective ways to improve the health and wellbeing of your employees.
BenefitHub
Think of BenefitHub as a perk for knowing the right person. Simply because you are insured with us, you and your members receive discounts on entertainment, gym memberships, and on many brands you use everyday.
We don’t just limit savings to healthcare. We want you to save money in all areas of your life.
What about pharmacy benefits?
Prescription drug costs are one of the primary drivers in rising healthcare prices. We have partnered with Express Scripts to help combat that trend with extremely competitive pricing and cost-effective programs to help you and your employees save money on every prescription.
search prescriptionsCheap drugs anyone?
Legal ones, of course.
Here are some of the programs included with our medical plans to make prescriptions more accessible and affordable for our members.
Mail Order & 90 Day Refills
You never need to worry about late-night trips to the pharmacy in your slippers again! Maintenance medications can easily be set up to be sent to your home in 30, 60, or 90 Day increments for more savings and reliability.
Members can also conveniently pick up 90-day refills for applicable medications at our in-network pharmacies – including Costco, Sam’s Club, Wal-mart, Kroger stores, and more.SaveOnSpecialty Program
The SaveOnSp program assists members who are on high-cost, specialty medications reduce their monthly copay cost to $0, by targeting high-cost, high-volume drugs.
This option is included with all of our plans, including high deductible plans! Enrolllment for members is easy, and it’s free to get started. To see the list of drugs that qualify for this program click here.Patient Assurance Program
The Patient Assurance Program ensures that members with diabetes will pay no more than a $25 copay for a 30-day supply of insulin - even if they haven’t met their deductible!
This significantly reduces out-of-pocket costs – the average monthly cost of insulin without this program can be up to $450 – allowing our members to focus on their well-being instead of on the cost of their medication.High quality, nationwide provider networks
EMI Health members benefit from access to our robust network of participating providers, along with advantageous pricing and discounts on medical services. We have contracted and partnered with some of the top names in the industry to ensure you are getting the best care no matter where you are nationwide. You can find in-network providers by selecting Care Plus and the state on our useful Provider Search tool.
Click on the state name from the list to learn more about hospital and physician networks in your state.
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· Arizona: Option of Aetna National PPO network, Cigna PPO national network, or the Blue Cross Blue Shield of Arizona in-state network (with First Health as the nationwide network).
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· Georgia: Option of Aetna National PPO network or Cigna PPO national network.
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· Texas: Option of Aetna National PPO network or Cigna PPO national network.
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· Utah: Contracted directly with Intermountain Healthcare facilities and physicians, with the option of the Aetna National PPO network or the Cigna network PPO for nationwide coverage.
One-stop-shop for members
Instead of juggling multiple insurance companies, bundling medical, dental, and vision with EMI Health reduces complexity. We exist to eliminate headaches by making health insurance more convenient with one ID card, one claims processing center, one Customer Service department, and one easy dashboard to see everything related to their health coverage – no matter what combination of products you have with us.
Learn about dental Learn about visionThe EMI Health medical plans are underwritten and/or administered by EMI Health in Arizona and by Educators Mutual Insurance Association or Educators Health Plans Life, Accident, and Health in all other states.