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Small group plans

Group health insurance for Iowa small businesses

Employee health and well-being are essential ingredients to the continued success of your small business. That’s why HealthPartners UnityPoint Health is here to help you and your employees make the most of your health insurance plan.

We offer a wide range of affordable small group health plans in Iowa that include well-rounded benefits, robust provider networks and much more. We’re your partner in finding the right fit so you can build your business, take care of your employees and stay on budget.

Have more than 50 employees? See our large group plan options instead.

Your business deserves to get the most out of your insurance plan. With our extensive provider networks that include nationwide care access, our plans are designed to be flexible and affordable, so your workforce gets the best care possible at a manageable price.

Drawing on proactive employee health strategies, our plans include 24/7 access to nurses and our online clinic Virtuwell, Employee Assistance Program (EAP) options, additional mental health support and much more. We’re here to help you find a plan that’s easy for you to manage and easy for your employees to use.

All our plans offer one-on-one support at each step, creating a close partnership with us to help ensure your business gets the most out of its plan. Your online employer account allows you to be in control of your plan, but support from your personal account manager is only a phone call away.

A large range of member tools and resources helps employees easily understand and manage their plan. Digital options like an online account and mobile app allow members to manage their health anytime, anywhere. And when one-on-one guidance is needed, our helpful, locally based Member Services team is ready to lend a hand.

Our small group medical insurance plans are designed to fit what growing businesses need. We’re here to help you offer your employees top-rated insurance that’s affordable, easy to understand and easy to use.

In Iowa, we offer fully insured and self-insured level funded plans:

  • Fully insured plans – Fully insured plans are available for businesses with one to 50 employees. With these plans, you pay an insurance carrier fixed premiums based on the number of your employees, while your carrier administers your company’s plan and pays out all claims.
  • Self-insured level funded plans – If you’re looking for a self-insured plan with the cash flow certainty of a fully insured plan, our level funded Balance plans (available for businesses with five to 50 employees) may be a great fit. Each month, you pay a “level amount,” including an administrative fee, stop-loss premium and an estimated amount for claims based on a maximum or worst-case scenario. If claims come in above the estimated amount, you don’t owe anything additional. If claims come in below the estimated amount, you’ll receive 50% of the surplus at settlement time once you renew.

Does your business have more than 50 employees? See our large group plan options instead.

Based on your funding model and business location, choose from up to two provider networks to fit your company’s budget and your employees’ needs. All our networks are designed to put high-quality care first.

Open Access network

The Open Access network includes all our contracted providers, plus national, 50-state coverage through our alliance with Cigna. That means straightforward, seamless access to over 1 million providers and 6,300 hospitals, with no referrals or separate insurance card needed.

This network is available for self-insured level funded plans statewide.

This network is available for fully insured plans in select counties.

For fully insured plans, the Bridges network is available for businesses headquartered in these counties:

  • Benton
  • Black Hawk
  • Boone
  • Bremer
  • Buchanan
  • Buena Vista
  • Calhoun
  • Cedar
  • Cherokee
  • Clay
  • Clinton
  • Dallas
  • Dickinson
  • Greene
  • Grundy
  • Humboldt
  • Ida
  • Iowa
  • Johnson
  • Jones
  • Linn
  • Lyon
  • Marion
  • Marshall
  • Muscatine
  • Osceola
  • Plymouth
  • Pocahontas
  • Polk
  • Poweshiek
  • Sac
  • Scott
  • Sioux
  • Story
  • Tama
  • Warren
  • Webster
  • Woodbury
Bridges network

The Bridges network covers metro areas in Iowa. The Bridges network features UnityPoint Health, their ACO partners and other key providers – including the University of Iowa, The Iowa Clinic, Mary Greeley Medical Center and McFarland Clinic.

This network is available for self-insured level funded plans in select counties.

For self-insured level-funded plans, the Bridges network is available for businesses headquartered in these counties:

  • Adair
  • Benton
  • Black Hawk
  • Boone
  • Bremer
  • Buchanan
  • Buena Vista
  • Butler
  • Calhoun
  • Cass
  • Clarke
  • Dallas
  • Fayette
  • Greene
  • Grundy
  • Guthrie
  • Hamilton
  • Hardin
  • Humboldt
  • Jasper
  • Marion
  • Marshall
  • Muscatine
  • Plymouth
  • Pocahontas
  • Polk
  • Scott
  • Story
  • Union
  • Warren
  • Webster
  • Woodbury
  • Wright
This network is available for fully insured plans in select counties.

For fully insured plans, the Bridges network is available for businesses headquartered in these counties:

  • Benton
  • Black Hawk
  • Boone
  • Bremer
  • Buchanan
  • Buena Vista
  • Calhoun
  • Cedar
  • Cherokee
  • Clay
  • Clinton
  • Dallas
  • Dickinson
  • Greene
  • Grundy
  • Humboldt
  • Ida
  • Iowa
  • Johnson
  • Jones
  • Linn
  • Lyon
  • Marion
  • Marshall
  • Muscatine
  • Osceola
  • Plymouth
  • Pocahontas
  • Polk
  • Poweshiek
  • Sac
  • Scott
  • Sioux
  • Story
  • Tama
  • Warren
  • Webster
  • Woodbury

All our group plans for small businesses offer high-quality health insurance options that have comprehensive benefits and coverage. We’ll be there every step of the way to make sure you get the most out of your plan.

Specific benefits and coverage levels vary by plan, but all plans include:

  • 100% preventive care coverage, including routine checkups, immunizations, screening and counseling
  • Prescription drug coverage with an actively managed, cost-effective formulary (drug list)
    • Formulary insulin covered with no member cost-sharing after a $25 benefit cap per fill
  • Coverage for telemedicine services such as Teladoc, Doctor on Demand and UnityPoint Health Virtual Care, with many plans offering access to Virtuwell, our 24/7 online clinic
  • Out-of-network coverage, with urgent care and emergency care covered at in-network levels
  • Compliance with the Affordable Care Act (ACA)

Choose from a variety of plans and health account options for your employees, including:

  • Traditional copay and coinsurance plans – These plans charge a set fee for a specific service, like a clinic visit. These fees are usually listed on a member’s insurance card and can help members decide whether to make a doctor appointment or head to urgent care. Some plans also include a deductible.
  • “Three for Free” plans – With these plans, the first three office or urgent care visits each year are at no extra cost. Employees also have access to a wide range of care and benefits through coinsurance with varying deductible amounts.
  • High-deductible health plans (HDHPs) – These plans usually have lower premiums and higher deductibles, meaning your employees pay less each month for insurance and more out of pocket when they receive care. They also typically cost less for employers.
    • Employees with an HDHP are also eligible to open a Health Savings Account (HSA), a special pretax bank account for eligible health care expenses which both the employee and the employer can contribute to.
  • Health Reimbursement Account (HRA) plans – In these plans, an employer offers a predetermined amount of money to its employees, which is then used for eligible health care expenses.
  • Flexible Spending Accounts (FSAs) – With an FSA, employees and employers can put pretax money into a special account for eligible employee medical expenses. An FSA can typically be offered alongside any other group medical plan.

Depending on the size of your group, you may have the option to select multiple plan designs. No matter which plan you choose, you’ll have access to everyday health support, programs and resources to support physical and mental health and more.

Our teams are dedicated to collaborating closely with you to understand your company and your employees’ unique needs. Many of our plans include value-added services such as virtual health support, well-being resources, pharmacy navigation and more, available at no extra cost to you or your employees.

We’ll work together to discover which services and resources may be a good fit, and we’ll help your employees take charge of their plan so they can work to stay healthy and happy. Some of our services and resources include:

  • Award-winning, locally based member and employer support teams
  • Employee Assistance Programs (EAP) to help employees manage stress, be more productive at work and live healthier every day
  • Omada Mind digital program for stress, anxiety and depression
  • Living Well comprehensive well-being resources, including digital assessments, personalized action plans and discounts
  • Comprehensive disease and case management support
  • Medication Therapy Management (MTM) that helps ensure medications are working together correctly
  • Assist America 24/7 coverage, helping your employees find a doctor, fill a prescription and more when traveling
  • Digital and in-person decision support tools, making managing care easy anytime, anywhere
  • Communications toolkits to drive employee engagement and help your employees get the most out of their plan
  • Easy-to-use plan administration tools that save you time and money so you can focus on growing your business
  • COBRA/state continuation administration services
HealthPartners group dental plans in Iowa

To help meet your company’s needs, HealthPartners offers a variety of group dental plans in Iowa.

Plus, when you combine a HealthPartners UnityPoint Health medical plan with a HealthPartners dental plan, you’ll get an extra discount on dental plan rates and enjoy easier administration of all your benefits.