The first US health plan built for startups

Your plan includes comprehensive in-network coverage for hospitalizations, surgeries, ER visits, outpatient care, mental health, screenings and vaccines, maternity, and prescription drugs (with a $10–$50 co-pay). It also covers up to 20 sessions each of acupuncture and chiropractics. Other than the prescription drug co-pay, there are no deductibles, co-insurance or provider co-pays if you stay within the Cigna network. The coverage matches, and in several areas exceeds, what’s typically included in U.S. employer-sponsored PPO plans. Exclusions include:

• Cosmetic surgery

• Dental or vision care (unless you add the extra dental & vision coverage)

• Infertility treatment

• Long-term care

• Non-emergency care when traveling outside the U.S.

• Routine foot care, such as nail trimming and callus removal

No, but it’s strongly recommended in order to avoid paying a deductible and coinsurance. Your plan uses the Cigna PPO network, which includes over 55,000 providers nationwide. When you use in-network providers:

• You don’t need to file claims, providers bill the plan directly

• There’s no deductible, co-insurance, or provider co-pays

• The only cost is a $10–$50 prescription co-pay

If you see an out-of-network provider:

• You’re responsible for a $1,000 deductible ($3,500 for a family), then up to 30% co-insurance

• Your individual total out-of-pocket expenses are capped at $2,000 ($7,000 for a family)

• The provider may or may not bill the plan directly. If they don’t, you’ll need to submit a claim for reimbursement

• You may also face balance billing if the provider charges above the plan’s allowed rate

To avoid surprise bills and additional unnecessary costs, we strongly recommend using in-network care whenever possible. Find in-network providers here.

Not yet. This plan currently only covers full-time employees. Contractors (e.g., 1099) and part-time employees are not eligible for coverage, although this is something we are exploring.

If you stay in-network, there are no deductibles, co-insurance, or provider co-pays. The only exception is a $10-$50 co-pay for prescriptions. For out-of-network services, there is a $1,000 deductible ($3,500 for a family), up to 30% co-insurance, and $2,000 out-of-pocket maximum ($7,000 for a family).

Yes, unlimited family members can be added! The price is capped at 3 total members at the same rates, meaning that you only pay for up to three people (including the employee), even if you add more family members.