welcome new members

We want you to use your plan.

Get started

First, know where to find your stuff.

Activate your Member Portal to see all medical details in one place. To register, you’ll need your member ID card found in your mailed Welcome Packet. If you need a replacement, ask for a new copy here.

Get paid up to $210 per year to take care of yourself.

Your Signature Benefits, like dental and vision exam reimbursements, are all available before meeting your deductible. Start using them anytime.

What’s available?

Is this covered?

Avoid unexpected costs by checking ahead of time to make sure every provider involved with your treatment is considered in-network.

How do I check?

In-Network vs Out-of-Network meanings.

You will receive the highest level of benefits and coverage when you see an in-network provider.

You will not be billed for balances on covered services beyond any copayment, deductible, and/or coinsurance.

Our in-network providers automatically submit claims to us on your behalf so you don’t have to do anything.

Learn More

If you choose an out-of-network provider, your coverage may be lower. You will likely pay more directly and may need to submit a claim yourself.

When you receive services from an out-of-network provider, you may receive a bill for the difference between what the CO-OP considers payable and the provider’s charges.

This is called balance billing, and you’re responsible for paying the remaining balance if you voluntarily choose the provider.

This is different than Surprise Billing protection because the provider was chosen voluntarily.

Out-of-Network Maximum

Be aware that costs from out-of-network providers may go beyond your maximum out-of-pocket limit because they can charge you more than what your insurance covers.

Any excess amounts won’t count towards your out-of-network deductible or maximum out-of-pocket.

Learn More

Be aware that even if you see a provider in your network, they may use an out-of-network provider for some services such as lab work or imaging diagnostics. Ask prior to receiving these services or you may receive a bill for the difference (balance billing) if the services weren’t urgent.

Get what you need for $0 out-of-pocket. 

You don’t have to ration meds or supplies.

Members have access to thousands of $0 prescription drugs, including many insulins and glucose monitoring supplies.

All without meeting your deductible or annual out-of-pocket expense. 

Don’t wait to get that thing checked out. 

Catch small changes before they become big problems for zero cost. Preventive health care is more than your one-n-done annual checkup.

Hundreds of screenings, tests, immunizations, and counseling are available free of charge with an in-network provider.

Untangle mental challenges with a professional.

Discover a happier you. Cultivate resilience, manage pressure, and build healthier relationships by learning new tools to combat stress, fears, and frustrations at work or at home.

Most plans include affordable copays and even better online options.

Review your Outline of Coverage for a brief overview of what’s covered. For further details consult your policy document. Find an in-network provider or book an online appointment. Find your plan documents.
From online therapy to medication management, choose from a variety of mental health therapists and psychiatrists with different backgrounds and specialties, available when you are, all online.

Talk to a real human, real quick.

We’re here for you
Monday – Friday 8am-5pm Mountain Standard Time: