Are the plan prices competitive?

On average we are 20-40% cheaper than the ACA marketplace, with excellent competitive plan options.

What networks do you offer?

We have 2 network options; Cigna (PPO) and PHCS (RBP). 8 deductible plan options for each network. Deductible options include: 1000, 1500, 2500, 3500, 3500 HSA, 5000, 5000 HSA, 7350.

Do you have to be covered under a medical plan to qualify for coverage?

No, a company does not have to be covered currently under any medical plan to apply for coverage.

What is the process to get coverage?

For 10+ employees, OneHealth will email you our Census form (to include information on spouses/dependents if applicable). Once completed this will immediately go to underwriting for review. You will receive a Quote and Proposal document from us within 4 business days. From there, we schedule a quick call to review the proposal and determine next steps.

What is an HSA and the benefits?

A Health Savings Account (HSA) is a type of tax-advantaged savings account that individuals can use to save and pay for qualified medical expenses. HSAs are typically associated with high-deductible health plans (HDHPs), and they offer several advantages.

What medical plan qualifies for an HSA?

We offer two Qualified High Deductible Plans: the $3500 HSA and $5000 HSA Plan options. These are both qualified HDHP plans. The $7,350 Value Plan is NOT ELIGIBLE for the HSA contributions. An employee has to be in either the $3500 HSA or the $5000 HSA plan to be eligible for contributions to an HSA account. For a High Deductible plan to meet the criteria of a Qualified High Deductible plan that will qualify to work with an HSA Account, there cannot be any first-dollar coverage benefits. The $7,350 Value plan does offer a Copay and a Drug card benefit that pays out before the deductible is met. This is why the plan does not qualify.

How to add an existing dependent?

This can only be done during their renewal period or with a qualifying life event (QLE); they have 30 days from the event to add them or they will have to wait for the renewal period and provide proof of the event. A Personal Health Questionnaire (PHQ - for all to be covered) will need to be filled out for all new events. Newborns will be done with a paper application with Birth Certificate and SSN.

How long is an Employee Census good for?

60 days from the date that we send the census to underwriting. After the 60 days, we would need to update (if applicable) and resend the census back over to underwriting.

How is termination handled?

We must receive a completed termination request form.

How are Claims handled?

The provider representative will call the number listed on the employee’s medical ID card. Members can call the number on their ID card to speak with a member advocate who can review their claim if necessary. If the member feels they need further assistance, they should then contact OneHealth customer service.

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OneHealth’s fast quoting and smooth enrollment made getting coverage easy for my team. We have health, accident, and dental coverage, and their benefit technology is a real asset for managing it all!

Alex J.

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Alex J.

Landscaping Business Owner

Alex J.

Landscaping Business Owner

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