Option Advantage plans

Option Advantage plans offer comprehensive coverage with robust benefits at an affordable cost. Four Option Advantage plan options help create a robust benefit program:

  • Option Advantage – lowest premiums of all Option Advantage plans
  • Option Advantage A – most similar to Core Advantages with enhancements
  • Option Advantage B  – most similar to Open Option with enhancements
  • Option Advantage AB – most robust Option Advantage plan, combining the richest benefits of Option Advantage A and Option Advantage B

Learn more about the plan option that's right for your client:

Option Advantage

Option Advantage is a comprehensive plan with robust benefits at an affordable cost at the lowest premium of all Option Advantage plans, featuring:

  • Lowest premiums of all Option Advantage plans
  • Deductible is waived on PCP, specialists, urgent care, outpatient physical therapy visits and allergy shots
  • Fully covered Express Care Clinic and Express Care Virtual visits; no out-of-pocket costs
  • Split PCP and specialist copay
  • Option for a common or separate deductible
  • Integrated wellness solutions

Option Advantage A

Option Advantage A is a comprehensive plan most similar to our former Core Advantages plan, but with notable enhancements:

  • Deductible waived on PCP, specialists, urgent care visits, allergy shots and outpatient physical therapy.
  • The first $500 of in-network lab and X-ray services, including sleep studies is covered in full; the deductible is waived.
  • Fully covered Express Care Clinic and Express Care Virtual visits; no out-of-pocket costs
  • Split PCP and specialists copay
  • Available with common or separate deductible
  • Integrated wellness solutions

Option Advantage B

Option Advantage B is a comprehensive plan most similar to Open Option, but with notable enhancements:

  • Deductible waived on many services, such as PCP, specialists, ER, lab and X-ray, imaging services (PET, CT, MRI), urgent care, allergy shots, routine immunizations, outpatient physical therapy
  • Deductible waived on in-network delivery, postnatal and routine newborn nursery care; copay applies and delivery is 10x PCP copay
  • Fully covered Express Care Clinic and Express Care Virtual visits; no out-of-pocket costs to members
  • Option for a common or separate deductible
  • Integrated wellness solutions

Option Advantage AB

Option Advantage AB is a premier option with the most robust benefits, combining the richest benefits of Option Advantage A and Option Advantage B:

  • Deductible waived on many services, such as PCP, specialists, ER, lab and X-ray, imaging services (PET, CT, MRI), urgent care, allergy shots, routine immunizations, outpatient physical therapy
  • The first $500 of in-network lab and X-ray services, including sleep studies, is covered in full; deductible is waived
  • Deductible is waived on in-network delivery, postnatal and routine newborn nursery care; copay applies and delivery is 10x PCP copay
  • Fully covered Express Care Clinic and Express Care Virtual visits; no out-of-pocket costs to members
  • Option for a common or separate deductible
  • Integrated wellness solutions