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Individuals &
Families

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COVERAGE YOU AND YOUR FAMILY can count on

 

We provide you and your family the peace of mind needed. For some individuals and families,

there are key advantages —affordability, budget and accessibility.

All of our plans utilize the First Health Network (PPO) which is owned by Aetna | Coventry and is a national network in all 50 states and Puerto Rico and has the most affordable negotiated contract rates with over

1 million Doctors & Providers (PCP, Pediatrics, Cardiologist and other Specialists), Imaging centers,

National Labs, Urgent Cares, Emergency Rooms and Hospitals.

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Five Points Health Benefit Plans is committed to offering robust health plan coverage to our members and their families. Our plans provide a more comprehensive set of benefits, at a better price, than comparable coverage through major medical. Our plans are competitively priced and provide a rich mix of benefits relative to the needs of our members.

Five Points conducts annual reviews of plan benefits, medical and prescription claims, and utilization of services. This detailed analysis provides information on how to best align the plan’s benefits with the needs of our member population.

External factors in the healthcare market, such as varying prescription drug pricing and shifting physician and hospital reimbursement rates, continue to impact both commercial health insurance and individual health plans. As a result, the premiums reflect a thoughtful analysis of the plan benefits, the increase in medical and prescription drug costs, and the benefit utilization by members and their dependents. Premium adjustments are made on the basis of actual plan costs from previous years.

How our plans work

Our Plans
 
Allegra Association Plan
U.S. ONLY
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Individual and Family Plan
U.S. ONLY
 
60/40 Plans
Allegra
Silver plan

60/40
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Individual and Family Plan
Allegra
Gold Plan

60/40
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Individual and Family Plan
Allegra
Platinum Plan

60/40
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Individual and Family Plan
 
80/20 Plans
Allegra
Silver plan

80/20
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Individual and Family Plan
Allegra
Gold Plan

80/20
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Individual and Family Plan
Allegra
Platinum Plan

80/20
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Individual and Family Plan