Health Plan Details

40 Square offers a variety of major medical health plans with a range of dedicated options. All plans are compliant with the Affordable Care Act and include coverage for doctor office visits, preventative care, prescription drugs and hospital (in-and-out- patient) care. There are no lifetime limits or exclusions for pre-existing conditions. Services such as chiropractic care and acupuncture are covered. All health plans include an annual routine eye exam. And several health plans are HSA-qualified for additional health care savings.

The cooperative has partnered with PreferredOne, which offers a wide network of physicians, clinics and hospitals in Minnesota, western Wisconsin, northern Iowa, North Dakota and South Dakota. If care is needed outside of the PreferredOne network, members have access to MultiPlan, a large national network.

40 Square’s difference comes from its personal customer service. Our health care support specialists can help you find in-network providers and referrals for specialists, receive cost-comparison pricing on medical procedures, explain and investigate claims and billing issues, and help you understand tests, treatments and medications recommended or prescribed by a physician.

Included with every membership is HealthiestYou telemedicine benefits, which can help you save hundreds of dollars on doctor office visits. The service is offered 24/7, seven days a week, all at NO COST. Telemedicine services don’t have any limit – you can speak with a doctor at any time throughout your plan year. The doctors are U.S. based and can diagnose, treat and prescribe medications over the phone or through a video call. Physicians can treat up to 70% of illnesses and ailments that are traditionally treated in a doctor’s office, Urgent Care or an emergency room. All for FREE.

Rate Examples for 2019*

Family of Four

Dad – 28 yrs. old. Mom – 27 yrs.old.

Child 1 – 3 yrs old. Child 2 – 1 yrs.old.

On a 40 Square health plan with a $6,550 individual deductible ($13,100 family), this family is estimated to pay $956 a month for health coverage.

Single

Single – 56 yrs. old.

On a 40 Square health plan with a $5,550 individual deductible, this individual is estimated to pay $698 a month for health coverage.

Married Couple

Husband – 60 yrs. old.

Wife – 58 yrs. old.

On a 40 Square health plan with a $6,500 individual deductible ($13,100 family), this couple is estimated to pay $1,338 a month for health coverage.

Family of Four

Dad – 45 yrs. old.

Mom – 43 yrs. old.

Child – 1-10 yrs old.

Child – 2-8 yrs old.

On a 40 Square health plan with a $5,500 individual deductible ($11,000 family), this couple is estimated to pay $1,206 a month for health coverage.

*Rates are subject to change. Premiums can vary depending upon your health history for the last five years.

DOWNLOADS

For specific plan details, please visit the participant login to access your plan documents.

Voluntary Benefits