Navigator PPO plans
Navigator reference-based plans (RBP) use negotiated pricing to reduce the cost of benefits up to 40% when compared to traditional PPO networks.
PPO Prime
Large provider network with low copays and zero coinsurance for most physicians and ancillary care.
| Tier 1 Advanta Advocate | 3500 Plan | 4000 Plan | 4500 Plan | 6000 Plan |
| Deductible (Single / Family) | None | None | None | None |
| Out-of-Pocket Limit (Single / Family) | None | None | None | None |
| Tier 2 In-Network |
3500 Plan | 4000 Plan | 4500 Plan | 6000 Plan |
| Deductible (Single / Family) | $3,500 / $7,000 | $4,000 / $8,000 | $4,500 / $9,000 | $6,000 / $12,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 |
| Tier 3 Out-of-Network | 3500 Plan | 4000 Plan | 4500 Plan | 6000 Plan |
| Deductible (Single / Family) | $7,000 / $14,000 | $8,000 / $16,000 | $9,000 / $18,000 | $12,000 / $24,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited | Unlimited | Unlimited | Unlimited |
| Schedule of Benefits | Schedule of Benefits | Schedule of Benefits | Schedule of Benefits |
3500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $3,500 / $7,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $7,000 / $14,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
4000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $4,000 / $8,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $8,000 / $16,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
4500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $4,500 / $9,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $9,000 / $18,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
6000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $6,000 / $12,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $12,000 / $24,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
PPO CHOICE
Lowest annual deductible options with low coinsurance for most physicians and ancillary care.
| Tier 1
Advanta Advocate |
1000 Plan | 1500 Plan | 2000 Plan | 2500 Plan | 3000 Plan |
| Deductible (Single / Family) | None | None | None | None | None |
| Out-of-Pocket Limit (Single / Family) | None | None | None | None | None |
| Tier 2
In-Network |
1000 Plan | 1500 Plan | 2000 Plan | 2500 Plan | 3000 Plan |
| Deductible (Single / Family) | $1,000 / $2,000 | $1,500 / $3,000 | $2,000 / $4,000 | $2,500 / $5,000 | $3,000 / $6,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 |
| Tier 3
Out-of-Network |
1000 Plan | 1500 Plan | 2000 Plan | 2500 Plan | 3000 Plan |
| Deductible (Single / Family) | $4,000 / $8,000 | $5,000 / $10,000 | $6,000 / $12,000 | $7,000 / $14,000 | $7,000 / $14,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Schedule of Benefits | Schedule of Benefits | Schedule of Benefits | Schedule of Benefits | Schedule of Benefits |
1000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $1,000 / $2,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $4,000 / $8,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
1500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $1,500 / $3,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $5,000 / $10,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
2000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $2,000 / $4,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $6,000 / $12,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
2500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $2,500 / $5,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $7,000 / $14,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
3000 Plan
| Tier 1
Advanta Advocate |
|
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2
In-Network |
|
| Deductible (Single / Family) | $3,000 / $6,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3
Out-of-Network |
|
| Deductible (Single / Family) | $7,000 / $14,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
PPO Advantage HDHP
Affordable annual deductibles with zero coinsurance benefits after deductibles are met.
| Tier 1 Advanta Advocate | 4000 Plan | 4500 Plan | 6000 Plan | 6500 Plan |
| Deductible (Single / Family) | None | None | None | None |
| Out-of-Pocket Limit (Single / Family) | None | None | None | None |
| Tier 2 In-Network |
4000 Plan | 4500 Plan | 6000 Plan | 6500 Plan |
| Deductible (Single / Family) | $4,000 / $8,000 | $4,500 / $9,000 | $6,000 / $12,000 | $6,500 / $13,000 |
| Out-of-Pocket Limit (Single / Family) | $7,050 / $14,100 | $7,050 / $14,100 | $7,050 / $14,100 | $7,050 / $14,100 |
| Tier 3 Out-of-Network | 4000 Plan | 4500 Plan | 6000 Plan | 6500 Plan |
| Deductible (Single / Family) | $8,000 / $16,000 | $9,000 / $18,000 | $12,000 / $24,000 | $13,000 / $26,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited | Unlimited | Unlimited | Unlimited |
| Schedule of Benefits | Schedule of Benefits | Schedule of Benefits | Schedule of Benefits |
4000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $4,000 / $8,000 |
| Out-of-Pocket Limit (Single / Family) | $7,050 / $14,100 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $8,000 / $16,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
4500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $4,500 / $9,000 |
| Out-of-Pocket Limit (Single / Family) | $7,050 / $14,100 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $9,000 / $18,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
6000 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $6,000 / $12,000 |
| Out-of-Pocket Limit (Single / Family) | $7,050 / $14,100 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $12,000 / $24,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
6500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $6,500 / $13,000 |
| Out-of-Pocket Limit (Single / Family) | $7,050 / $14,100 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $13,000 / $26,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
PPO Value
Low annual deductibles with coinsurance benefits after deductibles are met.
| Tier 1 Advanta Advocate | 2500 Plan | 3500 Plan | 6850 Plan |
| Deductible (Single / Family) | None | None | None |
| Out-of-Pocket Limit (Single / Family) | None | None | None |
| Tier 2 In-Network |
2500 Plan | 3500 Plan | 6850 Plan |
| Deductible (Single / Family) | $2,500 / $5,000 | $3,500 / $7,000 | $6,850 / $13,700 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 | $8,700 / $17,400 | $8,700 / $17,400 |
| Tier 3 Out-of-Network | 2500 Plan | 3500 Plan | 6850 Plan |
| Deductible (Single / Family) | $7,000 / $14,000 | $9,000 / $18,000 | $15,700 / $31,400 |
| Out-of-Pocket Limit (Single / Family) | Unlimited | Unlimited | Unlimited |
| Schedule of Benefits | Schedule of Benefits | Schedule of Benefits |
2500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $2,500 / $5,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $7,000 / $14,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
3500 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $3,500 / $7,000 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $9,000 / $18,000 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
6850 Plan
| Tier 1 Advanta Advocate | |
| Deductible (Single / Family) | None |
| Out-of-Pocket Limit (Single / Family) | None |
| Tier 2 In-Network | |
| Deductible (Single / Family) | $6,850 / $13,700 |
| Out-of-Pocket Limit (Single / Family) | $8,700 / $17,400 |
| Tier 3 Out-of-Network | |
| Deductible (Single / Family) | $15,700 / $31,400 |
| Out-of-Pocket Limit (Single / Family) | Unlimited |
| Schedule of Benefits | |
Find a provider.
Plans offer a robust provider network and plan options that allow employees to switch from other health coverage while maintaining the benefit coverage they’ve come to expect.
Want to learn more?
Whether you’re an employer or a broker. Click below to get started.
