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. Members get affordable coverage and access to our lowest premium compared to all Option Advantage choices. An ideal plan for employers who want to offer a low-cost medical plan paired with one of our pharmacy benefit plans.

  • Lowest premiums of all Option Advantage plans
  • Deductible waived on preventive services
  • 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 with the deductible waived on select services. This plan offers significant choice of in-network providers along with thousands of out-of-network providers.

  • 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 with the deductible waived on select services. This plan offers significant choice of in-network providers along with thousands of out-of-network providers.

  • 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