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Health Care Options

Summit Choice Healthcare Program

In partnership with:

Healthcare Program Partners

Program Basics

Did you know, less than 50% of small businesses in the US offer healthcare? We’d like to change that in Summit County.

The  Summit Chamber's  Summit Choice Healthcare Program, in partnership with the Small Association Leadership Alliance (SALA), is a comprehensive and cost-effective alternative to traditional plans. This new program offers affordable, accessible, and effective healthcare options for Summit Chamber members – both businesses and individuals alike. The Summit Choice Healthcare Program helps businesses provide for the medical expenses of their employees through a community-centered approach and gives individuals access to high quality, affordable healthcare.

This program is not insurance. It is an alternative solution that features a choice of two affordable  preventative care plans, each coupled with a medical cost sharing program to cover unexpected or catastrophic events.

The Summit Choice Healthcare Program, in partnership with SALA, is one solution to the high cost of healthcare in the mountain region!

Key Takeaways:

  • Available to businesses AND individuals
  • Available to full-time, part-time, and seasonal staff
  • Potentially lowers healthcare costs
  • Offers a choice of two high-quality, affordable healthcare solutions
  • May not be for everyone, but for some it is the best solution.

Summit Choice HEALTHCARE PROGRAM Basics

Summit Choice logo

The Summit Chamber has partnered with the Small Association Leadership Alliance (SALA) to provide our Chamber members access to a comprehensive and cost-effective alternative to traditional insurance plans. The Summit Choice Healthcare Program helps businesses, who are unable to provide group health insurance, offer their employees access to affordable, high quality healthcare.

The Summit Choice Healthcare Program is offered as a benefit of being a member of the Summit Chamber. It is not meant to be a replacement for a traditional group insurance plan, but rather an option for those who currently do not have insurance or have an extremely expensive individual plan. The Summit Choice Healthcare Program, in partnership with SALA, is one solution to the high cost of healthcare in the mountain region.

SALA

Learn about the Summit Choice Healthcare Program components

The Summit Choice Healthcare Program is proven insurance alternative for members to consider for their healthcare. The program has several components to choose from to customize their healthcare. When each component is brought together, the result is a comprehensive and affordable option for healthcare. The components include (and are detailed below):

  • Apex Preventative Care Plan that best fits your needs, family, and budget (Two choices)
  • Add-on a Sedera membership for medical cost sharing to be used for accidents, illness, and unforeseen medical needs. (Five Initial Unshareable Amount – IUAs – from which to choose)
  • Take advantage of Teladoc telemedicine for increased savings and services (included with Sedera membership)
  • The comfort of 2nd.MD to ensure you and your family receive the most up-to-date medical treatment available (included with Sedera membership)

Each of these components is described below.

Apex logo

Apex is the preventative care component of the SALA Healthcare Program. The Apex plans are not an insurance product, but a self‐funded plan sponsored by the Small Association Leadership Alliance (SALA). The Apex plans qualify as Minimum Essential Coverage (MEC) plans for preventative care coverage. A MEC plan must cover 100% of the Centers for Medicare & Medicaid (CMS) listed preventative and wellness benefits. The Apex plans are designed to meet your day-to-day healthcare needs.

Participants choose either the:

Both plans comply with ACA mandated preventative services with 100% coverage for all 21 preventative services for adults, 26 services for women, and 27 services for children. (Click here to learn more about the ACA requirement)

Apex HDHP/Basic MEC

The Apex HDHP (High Deductible High Premium) Plan provides the Minimum Essential Coverage at a lower monthly cost but does not include a prescription plan or coverage for specialists. The Apex HDHP plan does allow for the addition of a Health Savings Account (HSA). This plan includes:

  • 100% coverage for preventive care services
  • The plan provides the required framework allowing members to setup and use a Health Savings Account (HSA) for qualified medical expenses

View Current Rate Sheets for Apex HDHP/Basic MEC

Apex Advantage

Apex Advantage provides 100% coverage for preventive care, copayments for small and medium cost medical expenses, and prescription coverage.

  • This plan includes: 100% coverage for preventive care services
  • Small co-pays for Specialists, Urgent Care, Lab, Imaging and Prescription Drugs.
  • Prescription drug coverage managed by WellDyneRX

View Current Rate Sheets for Apex Advantage

To learn more about the Apex options, we recommend reviewing the following:

How to Enroll:

Your step-by-step guide to the Summit Chamber of Commerce’s Summit Choice Healthcare Program:

  1. Organizations must be a Summit Chamber of Commerce member in good standing.
    • All membership levels are eligible
    • Not a member? Apply today.
  2. Watch the informational webinar. Viewing the webinar will be the best introduction to this program and will help you understand the documents and resources below.
  3. Explore the program and plans. Click on the icons below to explore program details, FAQ, Key Terms, and real-world savings examples.
  4. Decide if this program is right for your organization, your employees, and/or their dependents.
    • There are other programs available thorough Chamber member businesses, including:
      • Insurance Advisors and brokers for group and individual insurance as well as assistance with Connect For Health Colorado (health insurance marketplace)
  5. Click here to get started with your Summit Choice Healthcare Program Application. 
    • Interested businesses should conduct a thorough analysis to ensure you understand the program and if it works for you.
    • Chamber members and their employees who enroll by the 18th of the month will be able to start the 1st of the next month (e.g. an employee who signs up on November 5 will be able to be in the program as of December 1st.

For more information or to discuss enrollment please call 888-994-4979 or email hpsupport@smallassociations.org.