Health, dental & vision coverage you can access.
Comprehensive health, dental and vision plans available to you — no employer required, no open enrollment window.
- Comprehensive medical, dental & vision plans available
- Enroll any time — no open enrollment window
- Coverage available for you and your family
- $0 telehealth, virtual primary care & advocacy included
Coverage Accessed Through
Plan Picker
Not sure which plan fits? Answer five quick questions.
Do you have an active EIN for your practice?
A PLLC, professional corporation, or sole proprietorship with an EIN.
Medical Coverage
Six Cigna PPO plans. One national network.
Choose the cost-sharing structure that fits your situation. Telemedicine, virtual primary care, advocacy, and preventive coverage are included in every plan — the table below shows the differentiating benefits.
Find an in-network Cigna provider →Note: To determine eligibility, a few health-related questions will need to be answered during the enrollment process.
| Plan | HSA 9000 | Bronze | HSA 6000 | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|---|---|
| Network | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO |
| Deductible (Ind / Fam) | $9,000 / $18,000 | $8,000 / $16,000 | $6,000 / $12,000 | $5,000 / $10,000 | $3,000 / $6,000 | $250 / $500 | $0 / $0 |
| Coinsurance | 70 / 30 | 70 / 30 | 70 / 30 | 70 / 30 | 80 / 20 | 80 / 20 | 70 / 30 |
| Max Out of Pocket (Ind / Fam) | $10,100 / $20,200 | $8,700 / $17,400 | $7,000 / $14,000 | $8,700 / $17,400 | $8,700 / $17,400 | $1,250 / $2,500 | $6,000 / $12,000 |
| Preventive Care | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Teledoctor | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Primary Care | 30% After Deductible | $50 | 30% After Deductible | $40 | $35 | $25 | $25 |
| Specialist | 30% After Deductible | $120 | 30% After Deductible | $80 | $55 | $45 | $50 |
| Urgent Care | 30% After Deductible | $100 | 30% After Deductible | $60 | $55 | $45 | $50 |
| Labs / X-Ray Diagnostic MRI / PET / CT / EKG Emergency Room Outpatient Surgical Hospital Admission Maternity | 30% After Deductible | 30% After Deductible | 30% After Deductible | 30% After Deductible | 20% After Deductible | 20% After Deductible | 30% |
| RX (Generic/Brand/NP Brand) | 30% After Deductible | $0 / $35 / $75 | 30% After Deductible | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 |
| RX Specialty | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required |
| Monthly Premiums | HSA 9000 | Bronze | HSA 6000 | Silver | Gold | Platinum | Diamond |
| Employee Only | $426 | $544 | $640 | $674 | $941 | $1,003 | $873 |
| Employee + Spouse | $589 | $856 | $1,012 | $1,067 | $1,493 | $1,632 | $1,372 |
| Employee + Child/ren | $549 | $753 | $889 | $945 | $1,309 | $1,563 | $1,243 |
| Employee + Family | $789 | $1,134 | $1,340 | $1,413 | $1,981 | $2,993 | $1,687 |
This is a summary only. Benefits, limitations, and exclusions are governed by the Schedule of Benefits and the policy documents.
Dental Coverage
Delta Dental PPO
Carryover Maximum — a key feature — Unused portions of your annual maximum can roll over into future years, building up benefit capacity for larger procedures over time.
Vision Coverage
VSP Vision Plan
Out-of-network reimbursements available; full schedule in plan document. In-network benefits shown.
Rates vary based on factors including coverage type, age, and state of residence.
Enrollment
Getting covered is simple.
Book a meeting with Alexander.
Alexander will walk you through your options, answer questions, and help you figure out the right coverage for your situation — no pressure, just information.
Book Now →Choose your plans.
Select the medical tier that fits your deductible preference. Add dental and vision. Cover just yourself — or include your family.
Enroll any time.
There is no open enrollment window. Coverage is available year-round.
Enroll before the 15th of the month for coverage effective the 1st of the following month.
e.g. Enroll by June 15 → coverage starts July 1
Your Contact
Alexander Palese
Managing Partner, Hollowtree
Licensed insurance broker with a background spanning insurance, healthcare strategy, and finance. He works with healthcare organizations and independent contractors on benefits and risk management. Georgetown alum. Based in Connecticut.
Schedule
Book your meeting with Alexander.
30 minutes. No pressure. Walk away knowing exactly what coverage you can access and how to enroll.
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https://cal.com/alex-palese/30-minute?overlayCalendar=trueFAQ
Common questions.
You can enroll any time — there is no open enrollment window. To have coverage begin on the 1st of a given month, you must enroll before the 15th of the preceding month. For example, enrolling by June 15th means your coverage starts July 1st.