Essential Care

Making healthcare coverage available to employees is one thing. Making care truly accessible is quite another.

Makes basic care affordable

This plan includes four free visits to make it even easier for your employees to see the doctors and specialists they need and get the care that’s most important to their health.

EssentialCare

Deductible & Out-of-pocket maximum options
Deductible & Out-of-pocket
maximum options
Individual deductible $2,000 - $9,450
Individual out-of-pocket maximum $6.500 - $9,450
Commonly used benefits
Commonly used benefits


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Primary care office visits First 4 visits $0 then co-pay
or deductible + coinsurance*
Special office visits First 4 visits $0 then co-pay
or deductible + coinsurance*
Virtual primary care and urgent
care visits through CirrusMD
$0
Mental health office visits First 4 visits $0 then co-pay
or deductible + coinsurance*
Retail clinics First 4 visits $0 then co-pay
or deductible + coinsurance*
Urgent care First 4 visits $0 then co-pay
or deductible + coinsurance*
Habilitative & rehabilitative
therapies
First 4 visits $0 then co-pay
or deductible + coinsurance*
Common maintenance labs $0

All other services such as emergency room, outpatient surgery, or inpatient hospital stays are subject to the deductible
and coinsurance. *Copay or insurance will vary by plan.

Coverage Includes:

  • Virtual urgent and primary care typically in under 60 seconds with board
    certified clinicians, available 24/7 through CirrusMD
  • Virtual urgent and primary care typically in under 60 seconds with board certified clinicians, available 24/7 through CirrusMD
  • Comprehensive benefits for mental health care
  • $0 Preventative care by in-network providers
  • Access to quality and convenient care with the network
  • Stop-loss protection from unexpected high medical claims
  • Transparency into claims cost and pharmacy rebates
  • Member support available for questions on benefits network and claims
  • EssentialCare is a level-funded plan.

    Our level-funded plans include administrative services provided by TXM Holdings LLC dba Texicare and its partners. Stop-loss insurance is underwritten by Texicare Health Insurance Company, licensed in Texas.

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