Medical Insurance

Overview

CareSphere offers a comprehensive suite of health insurance options, each designed to support the varied needs of our employees and their families. From core medical coverage to dental, vision, and critical illness protection, our benefit plans prioritize your wellness, flexibility, and financial security.

Employees can choose from the following benefit plans:

• WellCare, FlexCare, KeyCare, VitalCare, MV 6500, Critical Care (Voluntary), Delta Dental, VSP Vision, ExtraCare Low

All plans are conveniently managed through the HealthWallet App, which gives you access to digital ID cards, benefit details, and provider networks at your fingertips.

Who Is Eligible

All full-time CareSphere employees are eligible to enroll in health insurance plans:

list of qualifying life events:

• Marriage or domestic partnership, Divorce or legal separation, Birth or adoption of a child, Death of a dependent or spouse, Gain or loss of other coverage, Change in dependent eligibility, Change in employment status, Significant cost or coverage change, Relocation, Court order, Loss of Medicaid or CHIP eligibility, Enrollment or disenrollment in Medicare.

Each plan offers different levels of medical, prescription, and supplemental coverage:

You Can find all Summaries in this PDF Download

Medical Plans

WellCare

• Designed for preventive care and basic outpatient services

• Includes office visits, labs, x-rays, urgent care, and prescription discounts

• Uses PHCS network for in-network services

FlexCare

• Enhanced preventive care and outpatient services

• Includes labs, x-rays, imaging, and surgical outpatient services

• Some hospital indemnity benefits

KeyCare

• Higher-level outpatient and inpatient hospital benefits

• Includes physician services, anesthesia, diagnostic services, and urgent care

• Additional surgical and hospitalization indemnity benefits

VitalCare

• Comprehensive coverage for outpatient, emergency, and inpatient services

• Includes surgical services, mental health coverage, ICU, and ER

• Higher indemnity payments for hospital stays and emergency situations

MV 6500 (Minimum Value Plan)

• Includes preventive care, doctor visits, prescriptions, labs, and ER

• Highest level of indemnity support for inpatient and ICU stays

• Offers minimum essential coverage for ACA compliance

Voluntary Plans

Critical Care

• Lump-sum payments for covered illnesses like cancer, stroke, and heart attack

• Coverage amounts up to $15,000

• Helps cover out-of-pocket expenses during a serious diagnosis

  CRITICAL CARE 10,000

  

  CRITICAL CARE 25,000

ExtraCare Low

• Hospital confinement and surgery support

• Provides daily benefit payments for hospital stays

• Includes surgical indemnity, outpatient, and physician services

Dental & Vision Plans

Delta Dental

• Annual max benefit: $1,500

• Covers preventive, basic, and major services (cleanings, fillings, crowns)

• Orthodontics coverage available for dependents

VSP Vision

• One exam every 12 months

• Coverage for lenses and frames or contact lenses

• Access to VSP's national provider network

Common Benefits Across All Medical Plans

• Access to PHCS provider network (www.multiplan.com)

• 24/7 virtual urgent care and mental health via Recuro Health

• Use of HealthWallet App for benefits access

• No network restrictions for dental and vision plans

How It Works

1. Choose Your Plan during onboarding or open enrollment based on your needs

2. Enroll in medical, dental, vision, and/or voluntary benefits

3. Download the HealthWallet App to view digital ID cards, access Recuro Health, and locate providers

4. Visit In-Network Providers to maximize benefits and avoid out-of-network charges

5. Use Recuro for Virtual Care: 24/7 urgent care and mental health services via app or phone

6. Receive Services and present your insurance ID at provider visits

7. Monitor Claims and usage via HealthWallet and provider portals

How to Access or Apply

New to Enrollment?

If this is your first time enrolling, please begin by registering at the following link: Registration

During registration, you may be asked to provide personal information along with the company identifier: Caresphere

Already Registered?
Log in to review and update your benefit elections here: Login

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