Health Benefits
Health Insurance
Health insurance is a financial safety net that helps individuals and families manage the costs of medical care. By paying regular premiums to an insurance provider, policyholders gain coverage for a wide range of healthcare services, including doctor visits, hospital stays, prescription medications, and preventive care. This coverage reduces the financial burden of medical expenses, ensuring that people can access necessary treatments and maintain their health without facing overwhelming costs.
Health care coverage that fits your lifestyle
Immanuel offers two types of health plans:
To help members save money, both Highmark plans use Enhanced, Standard, and Out-of-Network provider networks. In general, you'll pay the least when you use Enhanced providers, more when you use Standard providers, and the most when you use Out-of-Network providers. Enhanced providers and facilities have been identified as delivering high-quality care while helping keep costs lower for both members and the health plan.
Because of this, you'll pay lower copays and lower out-of-pocket costs when using Enhanced providers.
Before scheduling care, we encourage you to verify whether your doctor, specialist, therapist, or facility is Enhanced, Standard, or Out-of-Network. Resources to do this can be found below.