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Progressive plan designs encourage greater employee participation in healthcare decisions and can reduce administrative costs while improving service quality.

Plus Plans (PPO)
Our Preferred Provider Organization (PPO) products give members more freedom and flexibility when choosing providers for care, offering in-network and out-of-network benefit options.

Vantage Plans (HMO)
Our Health Maintenance Organization (HMO) products allow members to choose a primary care physician (PCP) to guide and coordinate care without requiring a referral to visit a specialist.

Optima Equity (HSA)
Optima Equity combines a Health Savings Account (HSA) with an IRS-qualified high-deductible health plan.

Optima Design (HRA)
Optima Design HRA offers employers the simplicity of a fully integrated health plan and HRA funding option combined with the flexibility employers need to design the HRA to achieve their goals.