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Large group plans

Your partner in large business group health insurance

For decades, we’ve served some of the largest and most trusted organizations in the Midwest, providing tailored health insurance solutions that drive affordability, improve health and deliver an exceptional experience.

When you partner with us, we’ll work closely with your benefits teams to focus on what matters most to your workforce and your future goals. Together, using our robust tools and consultative approach, we’ll find the opportunities that can have the biggest impact.

Whether your employees are working at your headquarters, at home or across the country, our coverage options can help merge the care they want with the affordability they need. And we’ll continue to be by your side year after year, evolving solutions and monitoring for new ways to realize a healthier, engaged and more cost-effective workforce.

We offer group health insurance across Minnesota, Wisconsin, North Dakota, South Dakota and Iowa.

With our extensive provider networks, including national network coverage, our plans are designed to be flexible and affordable. That means your workforce – at a company location, remote or hybrid – can get the care they need at a manageable price.

Every organization is unique, and we have the flexible choices and options to fit yours. We offer fully insured, self-insured and level funded models, along with copay plans, high-deductible plans, consumer-driven plans and more (including custom designs). You can also enhance your plan with a variety of additional value-added benefits.

Drawing on proactive employee health strategies, our plans include 24/7 access to nurses and our online clinic Virtuwell, Employee Assistance Program (EAP) options, ongoing consultations with our experts 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 Member Services team is ready to lend a hand.

Choose from a variety of provider networks to fit your company’s budget and your employees’ needs. All our networks are designed to put high-quality care first.

In addition, most of our networks include national, 50-state coverage through our alliance with Cigna. That means straightforward, seamless access to over 1 million providers and 6,300 hospitals – no referrals or separate insurance card needed.

Network options depend on where your business is located. Our networks include:

Open Access – This network includes all HealthPartners-contracted providers.

Select– This network combines convenience and affordability, with virtual and in-person options for care. This network is available in select counties in the Twin Cities area and has a limited national network through the Far from home network.

The Select network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington

Perform – This network includes all HealthPartners-contracted providers, excluding Mayo Clinic and Mayo Clinic Health System.

Achieve– Providers in this network were selected based on surveys, claims information and overall health care data. This network is available in select counties in the Twin Cities area and greater Minnesota.

The Achieve network is available for businesses headquartered in these counties:

  • Anoka
  • Carver
  • Dakota
  • Hennepin
  • McLeod
  • Ramsey
  • Scott
  • Sherburne
  • Washington
  • Wright
CentraChoice – This network is a collaboration between HealthPartners, CentraCare Health and their local care partners, and is available in select counties in central Minnesota.

The CentraChoice network is available for businesses headquartered in these counties:

  • Benton
  • Douglas
  • Kandiyohi
  • Meeker
  • Morrison
  • Sherburne
  • Stearns
  • Todd
  • Wadena
  • Wright
TieredChoice – This flexible network offers members a choice of providers and cost-sharing options across three levels, or “tiers,” and is available in select counties in the Twin Cities area.

The TieredChoice network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington
Cornerstone – This network focuses on maximum savings with care centered around Avera and Access Health clinics, hospitals and specialty care centers in southwest Minnesota.

The Cornerstone network is available for businesses headquartered in these counties:

  • Cottonwood
  • Jackson
  • Lyon
  • Lincoln
  • Murray
  • Nobles
  • Pipestone
  • Rock
  • Yellow Medicine

You can select multiple networks for more care options for your employees. You can also request the creation of a custom network to serve your employees’ unique needs – speak with your sales representative for more information. Minimum business size requirements may apply.

Most of Wisconsin

Our networks serving most of Wisconsin include:

Open Access – This network includes all HealthPartners-contracted providers.

Perform –This network includes all HealthPartners-contracted providers, excluding Mayo Clinic and Mayo Clinic Health System.

You can select multiple networks for more care options for your employees. You can also request the creation of a custom network to serve your employees’ unique needs – speak with your sales representative for more information. Minimum business size requirements may apply.

Northeast Wisconsin

In northeast Wisconsin, we’ve teamed up with Bellin Health, ThedaCare and other local care partners to offer health plan solutions as Robin with HealthPartners. Robin networks include:

Robin Broad Access – This network includes 98% of hospitals and more than 90% of the providers in northeast Wisconsin, and is available throughout our service area.

Robin with HealthPartners products are available in the following counties:

  • Brown
  • Calumet
  • Door
  • Florence
  • Fond du Lac
  • Green Lake
  • Kewaunee
  • Manitowoc
  • Marquette
  • Marinette
  • Menominee
  • Oconto
  • Outagamie
  • Shawano
  • Waupaca
  • Waushara
  • Winnebago
Robin Focused – Providers in this network were selected due to their high-quality, cost-effective care and are available throughout our service area.

Robin with HealthPartners products are available in the following counties:

  • Brown
  • Calumet
  • Door
  • Florence
  • Fond du Lac
  • Green Lake
  • Kewaunee
  • Manitowoc
  • Marquette
  • Marinette
  • Menominee
  • Oconto
  • Outagamie
  • Shawano
  • Waupaca
  • Waushara
  • Winnebago
Robin Select – Featuring Bellin Health and ThedaCare, this network combines convenience and affordability with virtual and in-person options for care. This network is available throughout our service area.

Robin with HealthPartners products are available in the following counties:

  • Brown
  • Calumet
  • Door
  • Florence
  • Fond du Lac
  • Green Lake
  • Kewaunee
  • Manitowoc
  • Marquette
  • Marinette
  • Menominee
  • Oconto
  • Outagamie
  • Shawano
  • Waupaca
  • Waushara
  • Winnebago

You can select multiple networks for more care options for your employees. You can also request the creation of a custom network to serve your employees’ unique needs – speak with your sales representative for more information. Minimum business size requirements may apply.

In North Dakota and South Dakota, our plans are part of the Open Access network, granting access to all HealthPartners-contracted providers.

You can also request the creation of a custom network to serve your employees’ unique needs – speak with your sales representative for more information. Minimum business size requirements may apply.

Get more information on large group plans for Iowa-based businesses at HealthPartners UnityPoint Health.

HealthPartners has a variety of insurance plans designed for large and medium-sized organizations with 51 or more employees. If your business has 50 employees or fewer, we offer solutions through our small group plans.

Our large group insurance plans can be backed by fully insured, self-insured or level funded funding models.

  • With our self-insured plans, we also offer 12-month aggregate and specific stop-loss insurance, protecting your company from unexpected costs above and beyond your maximum liability. Coverage can extend to 24 months through our Assure℠ plan (PDF) or ReAssured℠ plan (PDF) options – all providing budget security and added peace of mind.
  • If you’re looking for a self-insured plan with the cash flow certainty of a fully insured plan, our level funded Balance plans (PDF) 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.

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

  • Traditional copay and coinsurance plans
  • “Three for Free” plans, where the first three office or urgent care visits each year have no cost-sharing
  • High-deductible health plans (HDHPs), including options for integrated HSA administration through Fidelity
  • Health Reimbursement Account (HRA) plans
  • Flexible Spending Accounts (FSAs)
  • Custom plan designs, available for employers with 100 or more eligible employees

All our fully insured and self-insured group plans for large and mid-sized 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 non-custom 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
    • RxRevealed Guarantee, which ensures you’ll never overpay for pharmacy benefit management
  • Coverage for telemedicine services such as Teladoc and Doctor on Demand, 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)

Our teams are dedicated to collaborating closely with you to understand your company’s 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.

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

To explore custom group health insurance solutions for your business, please get in touch with us. Our sales team is ready to help.

Group dental plans for large businesses

In addition to group medical plans, we offer a variety of group dental plans in Minnesota, Wisconsin, North Dakota, South Dakota and Iowa. Plus, when you combine a health plan with a dental plan, enjoy easier administration of all your benefits.