After you accept your Vitable HRA benefit invitation, you will be taken to a page where you can see all the health insurance plans available in your area.
You can filter and compare costs, provider networks, and coverage details to find the plan that works best for you. Filters include:
Deductible: The amount you pay for care before the plan begins to pay.
Max Out-of-Pocket: The most you’ll pay in a year for covered services.
Metal Tier: Cost-sharing categories. Typical plan categories will be:
Bronze - High deductible, lower monthly premium
Silver - Moderate deductible, moderate monthly premium
Gold - Low deductible, higher monthly premium
Plan Type: Defines how your network will work. Typical types will be:
HMO - Limited provider network, often requires referrals for specialists. Focused on preventative care, typically has lower monthly premiums.
PPO - Broader provider network, members can see specialists directly. Generally has higher monthly premiums.
EPO - In-network providers only, referrals are typically not needed. More affordable than PPO plans.
POS - Requires PCP selection and referrals for specialists. Generally has lower monthly premiums.
Insurance Carrier: The company that provides the health plan (e.g. United Healthcare, Aetna, Blue Cross Blue Shield, etc.)
Doctors: Add any current providers you see, and our portal will filter for plans that include them in-network.
Each plan also includes an AI-generated summary that highlights key pros, cons, coverage details, and cost considerations in plain language. This way, you don't have to dig through dense plan documents to understand what you're selecting.
If you’d like extra help, you can call our support line to connect with licensed agents who will walk you through your options and answer any questions you may have.
Need More Help?
If you have any questions, our support team is here to help! We're available Monday to Friday from 9 AM to 9 PM EST and on weekends from 9 AM to 5:00 PM EST. You can reach us through the following contact methods:
📞 Call: (484) 416-0769
💬 Chat: Through the Vitable app
📧 Email: support@vitablehealth.com
We’re here to support you every step of the way!