Small Employer Plans 2023

Employers with 2-50 employees are eligible for CGHC Small Group Health Insurance plans. Our Small Employer Sponsored plans are created by a perfect balance between cost, network, and service. Our competitive costs position us well within the market and our dedication to affordable health insurance options gives small employers more for less. Our network comprises some of the most high quality providers in Eastern Wisconsin, and we are proud that their service aligns with the same high service expectations we have at CGHC.

 

We are:

                      • local,
                      • customer-driven,
                      • timely, and
                      • treat Small Groups like family.

To learn more or request a quote, fill out the below information and a CGHC representative will contact you within 48 business hours.








Small Employer Plans

1 PCP = Primary Care Provider (includes general pediatrics, internal medicine, OB/GYN, family practice, general medicine, chiropractor and geriatrics) Urgent = Urgent Care Services Emergency = Emergency Room Care Services

 

2 Services that meet the definition of emergency are paid at the in-network rate even when care is delivered in a non-network ER. Because we do not have a contract with out of network ER facilities, we cannot prevent these facilities from billing our members for the balance of the charge. The copay applies to the facility charge only. All other charges related to ER visit are subject to deductible/coinsurance.

 

3 Preventive Care received out of network is not covered

 

Our Deductibles, Explained: All plans have a January 1 to December 31 deductible. All deductibles, coinsurance, and copayments accumulate toward the out-of-pocket maximum. In-network and out-of-network deductibles and out-of-pocket maximums must be satisfied separately. All plans described on this page have embedded deductibles for family coverage. This means that if you are enrolled in 2-person or family coverage, an individual family member only has to satisfy the single person deductible before the plan begins to make payment for covered services for that family member. 

 

To view the Summary of Benefits and Coverage (SBC) for your employer plan, click here.

 

Common Ground Healthcare Cooperative does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.

 

This page provides summary information.  Please refer to the certificate of coverage and schedule of benefits for a complete listing of benefits and terms of coverage.  A list of exclusions and limitations can be found here.

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