At Monochrome Health, we believe that taking care of your body should be simple and empowering. To help you stay ahead of your health, both of our plans cover 100% of your preventive care in-network.
Routine physicals, annual wellness checks, recommended vaccines, and age-based screenings are always fully paid by the company—no deductibles, no copays, and no surprises.
This plan is designed for peace of mind and predictability. If you prefer knowing exactly what you will pay at the doctor’s office ahead of time, this is the right path for you.
Low Deductibles
The annual deductible is kept low at $500 for individuals and $1,000 for families. Once you meet your out-of-pocket safety limit ($3,000 individual / $6,000 family), the plan pays for 100% of your covered medical needs for the rest of the year.
Simple Copays
You pay a small, fixed copay for regular doctor visits and specialist care, while Monochrome Health handles the rest.
No Restrictions
You never need a referral from a primary doctor to see an in-network specialist. You have total freedom to book appointments directly with the care experts you trust.
If you prefer lower monthly premium deductions and want to build a rainy-day fund for your future healthcare needs, this path offers incredible financial freedom.
Free Money from Monochrome
To give you a helpful head start, Monochrome Health will automatically drop a lump-sum cash gift directly into your HSA the moment you enroll: $500 for individuals or $1,000 for families.
Lower Paycheck Cost
You keep more money in your regular paycheck every single month.
A Tax-Free Nest Egg
This plan connects with a personal Health Savings Account (HSA) managed by Fidelity. The money you put in is tax-free, grows tax-free, and comes out tax-free for medical expenses. Plus, the money features an unlimited year-over-year rollover provision—it never expires, and it stays with you even if you move on from the company.
If you want maximum predictability with zero out-of-pocket deductibles for everyday visits, the Exclusive Provider Organization (EPO) plan is built for you.
Zero Deductible Care
Pay simple, flat copays from day one for primary care, specialist visits, and urgent care without needing to satisfy an annual deductible first.
In-Network Simplicity
Coverage is focused exclusively within our preferred Monochrome Health network, keeping costs low while delivering top-tier care. (No primary care physician referrals required to see an in-network specialist!)
Ultra-Low Out-of-Pocket Cap
Enjoy our lowest out-of-pocket maximum ($2,000 Individual / $4,000 Family), giving you absolute financial security for any major medical events.
Keeping your family healthy requires easy, affordable access to essential medications. Monochrome Health partners with Rx Solutions to deliver a comprehensive prescription drug program built around convenience, predictability, and savings. Whether you need a short-term antibiotic from your local pharmacy, a maintenance medication delivered right to your door, or specialized clinical support, our tiered network ensures you receive high-quality care at a price that fits your household budget.
Tier 1: Preferred Generics
Identical in active ingredients, safety, and effectiveness to brand-name counterparts, generic medications offer the lowest out-of-pocket cost for everyday treatments like antibiotics, allergy relief, and blood pressure control.
Tier 2: Preferred Brands
Trusted, brand-name drugs included on our Rx Solutions formulary list when a generic equivalent is unavailable or clinically unsuitable.
Tier 3: Non-Preferred & Specialty Drugs
High-cost or complex brand-name formulations, biological therapies, and specialized medications for chronic or severe medical conditions. (Specialty medications include personalized clinical management and home delivery via temperature-controlled, thermal packaging).
Preventive Medications ($0 Copay)
Select preventive health drugs—including prenatal vitamins, generic statins, aspirin, and contraceptive options—are covered at 100% with $0 copay across all plans, completely exempt from deductibles.
90-Day Home Delivery Mail Order
Save time and money on long-term maintenance prescriptions. Get a full 3-month supply shipped directly to your front door with free standard shipping and discounted copays.
Choice PPO Plan
Premier Copay EPO Plan
Savings HDHP Plan
Important!
Choose the plan that best fits your healthcare needs – consider coverage, costs, and network to ensure optimal health support!
The 100% In-Network Rule: Regardless of which plan you select, 100% of routine preventive care is covered by Monochrome Health. Routine physicals, immunizations, annual eye/well-woman exams, and age-based screenings never require copays or deductibles when using in-network doctors.
Choice PPO Plan
Best for: Team members who want complete freedom of choice and predictable copays.
Premier Copay EPO Plan
Best for: Predictable budgets with zero deductible surprises for routine care.
Savings HDHP Plan
Best for: Lower paycheck deductions & long-term tax-free health savings.
|
Care Category |
Choice PPO Plan |
Premier Copay EPO |
Savings HDHP |
|---|---|---|---|
|
Primary Care Visit |
$25 Copay |
$20 Copay |
20% Coinsurance |
|
Specialist Visit |
$45 Copay |
$40 Copay |
20% Coinsurance |
|
Urgent Care Center |
$50 Copay |
$40 Copay |
20% Coinsurance |
|
Virtual MD (Telehealth) |
$10 Copay |
$10 Copay |
$45 Fee |
|
Emergency Room |
$250 Copay |
$200 Copay |
20% Coinsurance |
|
Inpatient Hospital Stay |
20% Coinsurance |
20% Coinsurance |
20% Coinsurance |
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