Choose What's Important in a Health Plan
2023 ACA Plan Comparison Guide | Iowa Small Group Plans
Wellmark gives you meaningful choices to ensure the right coverage to attract and retain valuable employees — all within a manageable budget.
Traditional health plans
Copays for common health care expenses, with coinsurance and deductibles applying for larger expenses.
Traditional health plans are the most common type of health insurance.
Employees who have been comfortable with how their health insurance has traditionally worked.
Primary health plans
Lower copays for primary care providers (PCPs) and Tier 1 drugs, higher copays for other providers and most other services subject to deductible and coinsurance.
Provides a significantly lower copay or cost for high-value, highly used services (PCP visits, Tier 1 drugs).
Employees who primarily see their PCP and fill low-cost prescriptions.
High-deductible health plans (HDHP)
Employees pay the full cost of care and prescriptions (except for free preventive care) until deductible is met. This plan choice qualifies for a health savings account.
Offers some of the lowest monthly costs and provides tax-free savings.
Employees willing to pay more up-front in exchange for low monthly premiums and tax benefits.
Choose a metallic tier
Metallic tiers within each plan type give you meaningful choice on costs and benefits. Choose from gold, silver, and bronze.