HEALTH CARE PLANS FOR ALL OF YOUR

PERSONAL AND BUSINESS NEEDS 

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Affordable Health Care Plans
for You, Your Family and Your Employees

USRider Insurance Services is proud to offer Group rate medical and dental care for all of our Equestrian enthusiasts, competitors and business owners. Do you have affordable healthcare coverage?  If so, are your benefits meeting the healthcare needs of your family or your employees? USRider recognizes the challenges of finding affordable programs while working as contractors or small business owners. We are excited to introduce a new program that provides customized and flexible options for at Group rates.

Plan benefits

  • Member and Family plans
  • Affordable and Flexible options
  • Medical and Dental plan options
  • Plans customized for the small business owner & contractor
  • Year-round enrollment
  • Telemedicine access
  • Mobile application for anytime access
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Affordable Health and Dental Care

Plan pricing varies. Please refer the enrollment site for specific plan pricing.

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How do I get started?

Please visit our enrollment site and research the plan(s) best suited for you.

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About the USRider Health Care program

We’ve partnered with Crystal Bay Insurance Services to meet the health care needs of equestrian enthusiats, competitors and bussiness owners. We are proud to offer these medical and dental health care programs at affordable rates.

We know access to affordable health care for you and your family can be hard to find and inflexible. Our year-round enrollment and customized plans allow individuals and business owners affordable and flexible plan options.

While we hope you realize the combined value of a USRider membership and health care plans, membership is not required for you to take advantage of this partnership.

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For a complete list of plan benefits, contact us at...

Member Support
(800) 781-5116
Monday- Friday
7:00 AM - 6:00 PM (CST)
support@easeplans.com

Medical Services Deductible Information
Deductible Participating Providers (In-Network) Non-Participating Providers (Out of Network)
Individual $0 Not Covered
Family $0 Not Covered
Out of Pocket Information
Out of Pocket Maximum Participating Providers (In-Network) Non-Participating Providers (Out of Network)
Individual $7,900 Not Covered
Family $15,800 Not Covered
Schedule of Benefit & Plan Design
The WELL PREMIUM™ Plan provides coverage for the preventitive health services required by the PHSA § 2713 (a) without any cost-sharing requirements. All covered In-Network preventitive services will be 100% covered by the Plan. Out of Network services will not be covered unless otherwise specified, and the Plan Member will owe 100% of the cost of these services.
Plan Provisions Prior Authorization Required Participating Providers
(In-Network)
Non_Participating Providers
(Out of Network)
Primary Care Office Visit
(Non-Hospital Based)
No $35 Copay Existing Doctor
$70 Copay New Doctor
Not Covered
100% Paid by Member
Primary Care Office Visit
(Hospital Based)
No Not Covered
100% Paid by Member
Not Covered
100% Paid by Member
Specialist Office Visit
(Non-Hospital Based)
No $75 Copay Existing Doctor
$150 Copay New Doctor
Not Covered
100% Paid by Member
Specialist Office Visit
(Hospital Based)
No Not Covered
100% Paid by Member
Not Covered
100% Paid by Member
Urgent Care No $75 Copay Not Covered
100% Paid by Member

If the Plan covers Emergency Room and/or Ambulance Services, those services will be covered if they are provided by an Out of Network provider and will be subject to the deductible and Out of Pocket Maximum

FAQs

What does this plan cover?

MEDICAL PLANS

There are four medical plans and two dental plans available. For a more in-depth list of benefit coverage, limitations and exclusions, refer to the Schedule of Benefits on the enrollment site.

 

  1. Well Premium. This base plan has a $0 deductible and is designed to encompass “everyday” needs.
    1. Well Premium helps cover primary care and specialist doctor visits, urgent care, labs, radiology, CT/MRI/MRA/PET scans and prescription benefits for a predetermined copay based on the service.
    2. It is ACA compliant, “guaranteed issue” with no pre-existing conditions.
    3. It includes a mobile application that allows members to store their I.D. cards on their phone.
    4. Well Premium gives 24/7 access to board-certified medical providers on demand for minor illnesses and injuries. Providers can call in prescriptions to your local pharmacy.
    5. It is a PPO plan, which means you can select your own doctor within the network.
    6. This plan gives access to two networks: Multiplan and First Health Network. For a more in-depth list of benefits coverage, limitations and exclusions, refer to the Schedule of Benefits on the enrollment site.

 

  1. Medical Enhanced Plans. These three plans are a buy-up option for the Well Premium plan. ALL benefits included in the Well Premium are included in the Medical Enhanced plans.
    1. Medical Enhanced is designed to cover the majority of medical needs that take place inside a facility.
    2. It helps to cover hospitalization, in- and outpatient surgery, emergency room, dialysis and chemotherapy.
    3. The three plan options members can choose from are Medical Enhanced 2.5, Medical Enhanced 5.0 and Medical Enhanced 10.0.
      1. The different numbers (2.5, 5.0 and 10.0) define three different deductible levels.
      2. Medical Enhanced has a 12-month preexisting condition clause and requires pre-authorization for some benefits.
  • To learn more about benefits coverage, limitations and exclusions for all of these plans,please refer to the Schedule of Benefits on the enrollment site.
  1. DENTAL PLANS

There are two dental plans available. Each can be purchased in tandem with the medical plans or can be purchased as stand-alone dental plans.

  1. The two dental plans help to cover preventive dentistry at 100%; simple dentistry at 80% and complex dentistry at 50%.
  2. The percentages refer to how much the plans will pay for the type of service.
  3. The dental plans access the DenteMax network. To find a provider near you, refer to dentemax.com. To learn more about the benefits coverage, limitations and exclusions for these plans,please refer to the Schedule of Benefits on the enrollment site.

How much do the plans cost?

The pricing for the plans can be found on the enrollment site.

When can I enroll? What are the term requirements?

Members can enroll year-round through the enrollment site. Please note that the calendar year deductible resets every January 1.

Are there options such as family vs. individual plans?

Yes. There are four tiers of coverage: Member-only, Member and Spouse, Member and Child/Children, and Member and Family.

Can the policy be extended to employees of my business?

Yes. Anyone Can join the partnership plans, including sole proprietors, employees and independent contractors.

Does this plan offer vision or life coverage?

No. Vison, life and accident plans are not available at this time. We anticipate making them available to you in the near future. 

How does this plan define a “pre-existing” condition?

The pre-existing condition limitation will apply for as long as the plan is in force. For example, if a person was treated for colon cancer in the 12 months prior to purchasing the plan, that would be a pre-existing condition. The plan would not pay benefits for any services or treatments related to that person’s colon cancer for as long as the person has the plan.

“Pre-existing condition” means an illness, injury, or condition:


1. For which medical advice, diagnosis, care, or treatment was recommended to or received by a covered person within 12 months immediately preceding the effective date the covered person became insured under the plan; or
2. That manifested symptoms which would cause an ordinarily prudent person to seek diagnosis
or treatment within the 12 months immediately preceding the applicable effective date the "covered" person became insured under the plan.

 

What is the likelihood of a premium increase? When would we likely see rate hikes?

If rates increase, it would be on the calendar year. The goal is to keep price static.

How do I enroll and select plans (Phase 1)?

Please visit the enrollment site.

What are the enrollment dates? (Phase 2)

For more information and to enroll, just enrollment site. Enrollment is open year-round, which means you can enroll at any time. You also can terminate your enrollment at any time throughout the year.

What if I need assistance selecting a plan or customer service once I sign up? Who do I contact?

Member Support
800-781-5116
Monday- Friday 
7:00 AM - 6:00 PM (CST)
Support@abcagencygroup.com

Do I need to be a member of USRider to enroll in the health care plans?

No, anyone is eligible to enroll.

What if I am currently covered by another plan but I want to choose this plan instead?

If you would like to enroll in the medical plans, you are able to do so. With regard to obtaining instructions on how to terminate your existing coverage, everyone is different, but we recommend reaching out to your human resources or insurance representative or calling the number on your ID card for more information.

What if I am laid-off or furloughed: Am I still eligible to participate in these plans?

Yes. Your current job status does not matter. Anyone is able to join.