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Our plans are made to deliver what matters, from quality coverage to caring support. Find a plan or sign in to view your benefits.
Members can get instant access to manage health plan benefits, request member ID cards, find care and more.
Learn more about the app for membersInvest in your health and find motivation and support. Plus, you may earn rewards for creating health goals.
Explore wellness and rewards programsExplore a range of individual and family plan options. Individual ACA (Affordable Care Act) plans, short term and more.
Find coverage that goes beyond Original Medicare, including Medicare Advantage and Medicare Supplement plans.
See Medicaid plan options if you have low income or qualify due to a disability or other special situations.
Browse plans that can help you get coverage for medical costs not covered by your medical plan.
Health insurance is a contract between you and an insurance company that helps pay for medical expenses. You pay a monthly premium, and the insurance covers a portion of your healthcare costs.
You pay a monthly premium to maintain coverage. When you need care, you may pay a copayment or coinsurance. The insurance company pays the rest based on your plan's benefits.
You can get health insurance through your employer, the Health Insurance Marketplace, Medicare, Medicaid, or by purchasing a plan directly from an insurance company.
Common types include HMO, PPO, EPO, and POS plans. Each has different networks, costs, and flexibility in choosing healthcare providers.
Costs vary based on the plan type, coverage level, your age, location, and whether you qualify for subsidies. Monthly premiums can range from $100 to $1,000+.
Most plans cover preventive care, doctor visits, hospital stays, prescription drugs, mental health services, and emergency care. Coverage details vary by plan.
WellnessSparkLab uses cutting-edge AI in health insurance. Empathy, transparency and human connection guide us. We reimagine the health care experience, making it better and more personal.
Get the services you need to use and understand your benefits with ease.
We support you in your health care journey. We focus on serving the individual.
We believe everyone deserves quality health coverage they can afford.
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