High-quality major medical insurance plans with low copays.
![img-copay-01](https://ureg.clearwaterhealth.com/hs-fs/hubfs/Website/Affiliate%20Website/Major%20Medical/img-copay-01.png?width=706&height=594&name=img-copay-01.png)
The Advantages of the Copay Plans
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$0 Care
Use Care Coordination to access our preferred network, when available, for no out-of-pocket cost on many services, such as surgeries, imaging, and specialist visits. Plus, get $0 preventive care, $0 24/7 telemedicine, and $0 generic Rx!
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Low Copays
Enjoy copays for common services like doctor visits and prescriptions.
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Mental Health Care
Virtual mental healthcare is included with all plans. Plus, Major Medical Copay plans include coverage for in-person mental health care.
![img-copay](https://ureg.clearwaterhealth.com/hs-fs/hubfs/Clearwater%20New%20Website/Major%20Medical%20Plans/img-copay.png?width=706&height=594&name=img-copay.png)
Frequently Asked Questions
You can enroll during open enrollment from November 1 through December 31, or if you have a qualifying life event during the year. If you enroll outside of open enrollment, you will be subject to a 60-day waiting period.
For Major Medical plans, open enrollment is November 1 through December 31. Your plan effective date during open enrollment is January 1. For those that enroll outside of open enrollment, your effective date is on the first of the month following a full 60-day waiting period.
You will keep your healthcare plan for 1 year after your effective date. If there is a qualifying life event, you may be eligible to update or cancel your plan.
You can switch plans at the 1-year renewal date. To switch before then, you must have a qualifying life event.
To cancel your plan, contact members@clearwaterhealth.com. In order to cancel your plan, you must have a qualifying life event. You have 31 days from the date of your qualifying life event to notify us of the qualifying life event in order to cancel your plan. Your policy will terminate at the end of the month from the date we receive your qualifying life event documentation.
At the age of 18 a child is eligible to enroll in their own individual plan. However, a child can stay on a parents plan until the age of 26. At the age of 26, a child must enroll in their own plan. If someone is 65 or older they are eligible, however, Medicare will likely be a cheaper option with a broader network.
Love from Our Community
Hear it from our members: There's lots to love.
Leslie Tubberville
Phillip Cantrell
Terry Hooker
Better care. Better cost.
$8,000*
Average annual savings
PPO
Network upgrade
80%
Out-of-pocket savings
*Estimate is based on an average of annual data and will not apply to every individual customer.
Is a Major Medical Copay Plan right for you?
![get-started-character_one](https://ureg.clearwaterhealth.com/hs-fs/hubfs/get-started-character_one.png?width=554&height=472&name=get-started-character_one.png)