Special Value for Los Angeles Area Chamber of Commerce Members

Elevate Employee Benefits with Innovative Health Plans

 
Excel Health Plans enable companies with five or more employees to access significant savings on what is often their second-highest company budget item - employee healthcare.
 

Exceptional features Excel delivers for your employees:

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Checkmark Element (1) Disappearing Deductible

Options for zero-deductible, zero-dollar care in many instances*

Checkmark Element (1) Mental Health Care 

All mental health care is an in-network benefit. All office visits to mental health professionals are covered as in-network services.

Checkmark Element (1) International 

International Coverage included**

Checkmark Element (1) Unlimited Virtual Primary Care

Included with no deductible and no co-pays

 Excel Brings Employers A Ready-To-Go Level-Funded Health Plan (Equal Monthly Payments) With:
  • 15%-20% average annual savings compared to the big national carriers
  • Broad PPO provider networks***
  • ACA qualified and ERISA compliant plans
  • One monthly premium covers all plan expenses (incl. medical claims, pharmacy, health management programs, administration, stop-loss insurance)
  • Nine turnkey plan designs – from Gold PPO to Bronze PPO
* Disappearing Deductible zero-dollar cost-share is available for certain labs, imaging, diabetic supplies, outpatient procedures, durable medical equipment, and more. Members must contact customer service in advance to determine if a zero-dollar provider is available. The Disappearing Deductible is not available in all geographic areas and for all treatment and procedure types.
** Beginning on January 1, 2023
*** Typically First Health PPO or PCHS PPO 
 
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What's included

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Member Experience

Concierge Care Navigation and a broad PPO network

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Virtual Care

Unlimited and with no out-of-pocket cost

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Mental Health

Office and virtual visits for all mental health professionals are covered as an In-Network benefit

Excel’s level-funded plan designs offers a simplified alternative to traditional employer self-insured health plans while providing similar advantages of cost savings and flexibility. For employers, this approach utilizes stop-loss insurance to limit the employer’s liability. For employees, the plans operate similarly to typical employer health insurance plans (deductibles, co-pay etc.) but with added advantages such as the Disappearing Deductible and specialized programs for items such as durable medical equipment, diabetic needs and more.

The health plan services offered by Excel enable employers to adopt and implement employer-owned and employer-funded health plans that provide superior benefits for employees while appropriately managing costs. Excel Health Plans is not an insurance company and is not licensed to sell insurance.

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