ITH SmartCare · Group medical via InsurTech Hub

Group medical, built to fit your team & budget

Four ITH SmartCare plans across Cigna, UnitedHealthcare & PHCS networks — each with an integrated gap benefit that lowers members' net out-of-pocket. The Premier plan is fully debt-free: $0 deductible, $0 net out-of-pocket when care is coordinated through the plan. For teams of 5+, all 50 states.

Rates from $354.53 / employee / mo Integrated gap benefit 24/7 care navigation · virtual care
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Four plans, one integrated gap

Every plan pairs network access with an integrated gap benefit that's fully administered by the plan's TPA, reducing the member's net out-of-pocket. Pick the network and cost-share that fit; a licensed advisor confirms the right fit on a short consultation call.

MVP+

PHCS PPO Network

$354.53 / mo

employee only

  • Deductible covered 100% by gap
  • 40% coinsurance · OOP $4k/$8k net after gap
  • Rx: discount card only

Access Plan

Cigna EPO Network

$499.88 / mo

employee only

  • Deductible $3,500/$7,000 net after gap
  • 30% coinsurance · PCP $40 / Spec $60
  • Rx $0 / $35 / $75

Access Protect

Cigna EPO Network

$599.00 / mo

employee only

  • Deductible $1,500/$3,000 net after gap
  • 30% coinsurance · PCP $40 / Spec $60
  • Rx $0 / $35 / $75

Premier

Debt-free

Cigna PPO National or UnitedHealthcare Choice Plus

$699.69 / mo

employee only

  • $0 deductible · $0 net out-of-pocket*
  • PCP $25 / Spec $50
  • Rx $0 / $35 / $75

*Premier: member net out-of-pocket is reduced to $0 up to the maximum out-of-pocket when care is coordinated through the plan, via the integrated gap benefit.

Benefit comparison

BenefitMVP+
PHCS PPO		Access Plan
Cigna EPO		Access Protect
Cigna EPO		Premier · Debt-Free
Cigna PPO Ntl / UHC Choice+
Deductible (Ind / Fam)Covered 100% by gap$3,500 / $7,000 net after gap$1,500 / $3,000 net after gap$0 / $0 net after gap
Coinsurance (Member / Carrier)40% / 60%30% / 70%30% / 70%30% / 70%
Out-of-Pocket Max (Ind / Fam)$4,000 / $8,000 net after gap$3,500 / $7,000 net after gap$1,500 / $3,000 net after gap$0 / $0 net after gap
PCP Copay$50$40$40$25
Specialist Copay$75$60$60$50
Inpatient Hospitalization40% after deductible (5 days)30% coinsurance30% coinsurance30% coinsurance
Outpatient Facility40% after deductible (2/yr)30% coinsurance30% coinsurance30% coinsurance
Emergency Room$500 copay + 30% coinsurance$500 copay + 30% coinsurance$500 copay + 30% coinsurance$500 copay + 30% coinsurance
Urgent Care$75 copay$75 copay$75 copay$50 copay
Laboratory40% after deductible (3/yr); basic labs $5030% coinsurance30% coinsurance30% coinsurance
X-Ray40% after deductible (3/yr)30% coinsurance30% coinsurance30% coinsurance
Imaging (MRI/CT)40% after deductible (2/yr)30% coinsurance30% coinsurance30% coinsurance
Prescription (Generic / Preferred / Non-preferred)Discount card only$0 / $35 / $75 copay$0 / $35 / $75 copay$0 / $35 / $75 copay
Specialty DrugsDiscount card$200 copay$200 copay$200 copay

Monthly rates

Coverage tierMVP+Access PlanAccess ProtectPremier
Employee Only$354.53$499.88$599.00$699.69
Employee + Spouse$547.13$1,078.74$1,188.74$1,298.74
Employee + Child(ren)$562.46$970.21$1,070.21$1,170.21
Family$717.97$1,495.00$1,595.00$1,604.33

Rates are monthly, per the current ITH SmartCare benefit summary. Final benefits, eligibility, and pricing are confirmed at underwriting and vary by group and state.

Included on every plan

Integrated gap benefit

Fully administered by the plan's TPA — helps offset covered deductible and coinsurance, lowering the member's net out-of-pocket.

ConnectedCare · 24/7 navigation

Round-the-clock care navigation to help members find in-network care and use their benefits.

Digital ID cards

On-demand digital ID cards and benefit details in members' hands.

Provider & claims visibility

Search in-network providers and view claims, deductibles, and accumulators.

Virtual care access

Telehealth/virtual care plus prescription support.

Network choice

Cigna EPO, PHCS PPO, or — on Premier — a choice of Cigna PPO National or UnitedHealthcare Choice Plus.

Why employers choose SmartCare

  • ✓A debt-free option — the Premier plan brings the member's net out-of-pocket to $0 when care is coordinated through the plan.
  • ✓Built for small business — as few as 5 employees, all 50 states.
  • ✓Recognized networks — Cigna, UnitedHealthcare, and PHCS, with the integrated gap on every plan.
  • ✓Guided enrollment — a licensed advisor and digital tools, start to finish. Group medical is quoted on a short consultation call.

ITH SmartCare is offered through InsurTech Hub and licensed representatives, in partnership with the plan's third-party administrator. Plan benefits and monthly rates shown reflect the current ITH SmartCare benefit summary; "net after gap" figures reflect the integrated gap benefit. Benefits, eligibility, availability, and pricing are confirmed at underwriting and vary by group and state. This is a request for information, not an offer of coverage or medical/insurance advice.

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