CCA Member Benefit · Insurance
Insurance for Independent Clinicians
Included with CCA membership
Health, dental, and vision coverage, individual disability and life protection, and corporate-member group programs. Offered by Hollowtree through the CCA.
- Health options through the Cigna PPO network
- Coverage available for you, your spouse, and your family
- Delta Dental PPO and VSP vision coverage available
Month-to-month. Cancel anytime. Insurance premiums are additional.
Quick facts
- Six Cigna PPO plans
- Delta Dental PPO, $1,500 annual max
- VSP vision, exam every 12 months
- No open enrollment window
Availability, rates, and eligibility vary by coverage and are subject to carrier terms and approval.
Coverage accessible through
Medical coverage
Compare the six Cigna PPO plans
Plan benefits and monthly premiums in one table.
| Detail | Bronze | HSA | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|---|
| Network | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO |
| Deductible (Individual / Family) | $8,000 / $16,000 | $6,000 / $12,000 | $5,000 / $10,000 | $3,000 / $6,000 | $250 / $500 | $0 / $0 |
| Coinsurance | 70 / 30 | 70 / 30 | 70 / 30 | 80 / 20 | 80 / 20 | 70 / 30 |
| Maximum Out of Pocket (Individual / Family) | $8,700 / $17,400 | $7,000 / $14,000 | $8,700 / $17,400 | $8,700 / $17,400 | $1,250 / $2,500 | $6,000 / $12,000 |
| Preventive Care | $0 | $0 | $0 | $0 | $0 | $0 |
| Teledoctor | $0 | $0 | $0 | $0 | $0 | $0 |
| Primary Care | $50 | 30% After Deductible | $40 | $35 | $25 | $25 |
| Specialist | $120 | 30% After Deductible | $80 | $55 | $45 | $50 |
| Urgent Care | $100 | 30% After Deductible | $60 | $55 | $45 | $50 |
| Labs/X-Ray; Diagnostic MRI/PET/CT/EKG; Emergency Room; Outpatient Surgical; Hospital Admission; Maternity | 30% After Deductible | 30% After Deductible | 30% After Deductible | 20% After Deductible | 20% After Deductible | 30% |
| RX (Generic/Brand/NP Brand) | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 |
| RX Specialty | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required | PBM Management Required |
| Monthly premiums | ||||||
| Employee Only | $544 | $640 | $674 | $941 | $1,003 | $873 |
| Employee + Spouse | $856 | $1,012 | $1,067 | $1,493 | $1,632 | $1,372 |
| Employee + Child/ren | $753 | $889 | $945 | $1,309 | $1,563 | $1,243 |
| Employee + Family | $1,134 | $1,340 | $1,413 | $1,981 | $2,993 | $1,687 |
This is a summary only. Benefits, limitations and exclusions are governed by the Schedule of Benefits and the policy documents.
Premiums are separate from CCA membership dues.
Dental coverage
Delta Dental PPO
- Annual maximum
- $1,500 per person
- Deductible
- $50 per person, waived for preventive services
- Preventive & diagnostic
- Covered 100%
- Basic services
- 50% covered
- Major services
- 50% covered
Vision coverage
VSP Vision Plan
- Eye exam
- Every 12 months
- Lenses or contacts
- Every 12 months
- Frames
- Every 24 months
- Allowance
- Toward glasses or contacts at VSP network providers
Also included: 24/7 telehealth access for primary care needs.
Questions about health, dental, or vision? Talk with Alexander Palese, licensed insurance broker.
Book a consultation with AlexAlso available to members
Individual Disability, Life, and Supplemental Disability
Individually underwritten coverage for members. Premiums are additional.
Individual Disability Insurance
With individual disability insurance underwritten by Guardian, you can protect your income if illness or injury prevents you from practicing medicine.
Discounts vary, with potential savings of up to 30%.
Individual Life Insurance
You can ensure your family's financial future by providing protection and support in the event of your passing.
Supplemental (High Limits) Disability Insurance
You can secure high-limits disability insurance from IDU and protect up to $19,500 per month in income replacement coverage.
Questions about disability or life coverage? Talk with a CCA Benefits Director.
Speak with a benefits advisorCorporate Members only
Group disability and group long-term care
Guaranteed-issue group disability and group long-term care are available only when your organization is a partnered CCA Corporate Member, subject to the applicable program terms. They are not part of individual membership. If your organization participates, your enrollment documents appear in My Account.
FAQ
Common questions.
When can I enroll?
Who is eligible to enroll in these plans?
How do I find in-network providers?
How do HSA-qualified plans work?
Can I cover my spouse and dependents?
What is the dental annual maximum?
Coverage access disclaimer
Coverage details shown are an overview only. For exact terms, deductibles, copays, and provider networks, refer to the carrier's official plan documents. Coverage is subject to underwriting and carrier approval.
Ready to join CCA?
$20/month for access to CCA benefits and trusted partners. Insurance premiums and some partner services are additional.
Cancel anytime.