Bravo

HEALTH INSURANCE
G R O U P H E A LT H | D E N TA L | V I S I O N | UNDERWRITTEN BY QCA HEALTH PLAN, INC.
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BRAVO is a Health Insurance Purchasing Group (HIPG) developed by the Arkansas Society of Association
Executives to provide health benefit plans for association members and their employer members. Any member in
good standing with their association is eligible to participate in BRAVO, as long as the employer maintains fewer
than 200 employees, belongs to a participating association and meets the qualifications of the HIPG. Through
QualChoice, association members have exclusive access to a wide array of health benefits.
Medical Plans
Health Maintenance Organization (HMO) Plans
With a broad range of plans, QualChoice is sure to have a
QualChoice offers HMO plan designs with a wide range of
solution to meet your needs.
deductible options for employers to choose from.
Point of Service (POS) Plans
HMO benefits mirror POS in-network benefits. Employers
Underwritten by QCA Health Plan, Inc.
offering an HMO give their employees a less expensive health
A Point of Service (POS) plan is a mix between a Health Mainte-
plan option while also offering a POS, as required by state law.
nance Organization (HMO) and a Preferred Provider Organization
When a member needs care, they choose a doctor, health care
(PPO). Our standard POS plans are open access, which means
professional or hospital from within the QualChoice statewide
that members do not have to select a primary care physician
network.
(PCP) or get PCP referrals to seek care from a specialist.
Our POS and HMO Plans offer:
In-Network: One of the best ways to control costs and get
the most from a POS plan is to choose an in-network PCP to
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$15,000 Group Term Life Insurance and AD&D (automatically included for groups with 2-50 eligible lives)
coordinate care. A PCP can treat a wide variety of conditions
and help steer members to appropriate participating specialists
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Round-the-clock online health resources
and facilities. Members will not be balance billed. (Billed for the
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QCARE Health and Wellness Programs to assist members in
better understanding and managing their health
difference between the amount covered by the health insurance
plan and the amounted charged by the provider.)
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Out-of-Network: Members may choose any provider for most
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Extensive statewide network of physicians, hospitals and
pharmacies
100% coverage for wellness and preventive care
services. However, when they receive care from a doctor or
facility that is not in the QualChoice network, their out-of-pocket costs will be higher. Payment for out-of-network services is
based on a Maximum Allowable Charge, and members can be
balance billed.
Just a few of the advantages of BRAVO:
• flexibility
• buying power
• strength in numbers
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www.qualchoice.com • 800.235.7111 • Little Rock 501.228.7111 • Northwest Arkansas 479.442.0700
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Consumer Driven Health Plans
For employee groups with 2-50 eligible lives, $15,000 of Term
The consumer-driven health plan (CDHP) is a
Life is automatically included. Coverage may be extended by
popular insurance option. A CDHP combines
offering employees the option to buy group term life insurance
the flexibility of a medical insurance plan with
for their dependent spouses and children.
the cost effectiveness of a tax advantage. It
consists of two parts:
Dental Benefits
Dental insurance is one of the most-desired employee benefits
High Deductible Health Plan (HDHP)
after medical coverage. QualChoice is pleased to offer a dental
An HDHP is a health insurance plan with lower premiums and
insurance program for employer groups with 2 or more employ-
higher deductibles than a traditional health plan. When com-
ees. We offer a wide range of coverage plans, including those
bined with a Health Savings Account (HSA), it provides tradition-
with and without orthodontia. Dental benefit plans are offered
al medical coverage and a tax-free way to build funds for future
on a contributory or voluntary basis.
medical expenses.
Vision Benefits
Health Savings Account (HSA)
Administered by Superior Vision
A Health Savings Account (HSA) is a tax-advantaged medical
A vision plan is an important component of a wellness strategy,
savings account for members who are enrolled in an HDHP.
for both employee and employer. Vision coverage is an impor-
The funds contributed to an account are not subject to federal
tant part of health maintenance. It can decrease overall health
income tax at the time of deposit.
care costs by providing routine exams as a preventive step,
and increase employee productivity and retention. QualChoice
CDHP Advantages
offers vision benefit plans for employer groups with 2 or more
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Affordability — With higher deductibles come lower insur-
employees. Vision benefit plans are offered on a contributory or
ance premiums.
voluntary basis.
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Flexibility — HSA funds can pay for current and future
medical expenses.
COBRA
Portability — HSA accounts are owned by the individual. In
COBRA, (the Consolidated Omnibus Budget Reconciliation Act
the event of a job change or move to another state, those
of 1985) enables employees and dependents who no longer
funds remain with the individual.
qualify under an employer approved group health plan to con-
Tax Savings — HSAs provide triple tax savings: tax
tinue their insurance coverage.
deductions on contributions, tax-free earnings through
interest and investment and tax-free withdrawals on quali-
Through PrimePay LLC, QualChoice offers comprehensive,
fied medical expenses.
full-service COBRA Administration Services, offering you, the
employer, relief from the administrative responsibilities involved.
Ancillary Products
QualChoice offers a variety of ancillary products so that you can
Services include:
offer your employees a strong benefits package. And we can
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Comprehensive administration
help ease the administrative burden by sending one convenient
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Regulatory support and application
invoice for all products.
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Easy to use web-based operating system
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Administration of every COBRA eligible group health plan,
including non-QualChoice products
Group Term Life Insurance and AD&D
Benefits don’t stop with just a health plan. QualChoice offers
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COBRA administration specialists to assist you
fully integrated products to meet the needs of your diverse
workforce. Group Term Life Insurance is the foundation of a
strong benefits package, provides essential protection to employees and is one of the most important and best values of all
employee benefits.
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www.qualchoice.com • 800.235.7111 • Little Rock 501.228.7111 • Northwest Arkansas 479.442.0700
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The QualChoice Added Value
Friendly, Efficient Customer Service
QCARE Health & Wellness Programs
Excellent customer service is a core value of our company.
Our members report significantly higher satisfaction with
QualChoice customer service than the competition’s — and
92% of our participating healthcare providers recommend
QualChoice!
Our members’ health is our first priority. That’s why QCARE,
our personal health and wellness management program, is an
important added value to our total benefit package. Our QCARE
programs help members live healthier lives and manage
ongoing conditions — which
means improved quality of life and
24-Hour-a-Day Information at QualChoice.com
lower health care costs for all.
Members and employers can manage their accounts round
the clock online. By logging in to qualchoice.com, members
can view claims, monitor transactions or print a temporary
ID card and employers can update and report group enrollment information — any time, day or night.
Programs include:
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Cancer Management
Compassionate and personalized support for members being
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treated for cancer and their families.
eEnroll
Diabetes Management
eEnroll is our online, real-time resource to help employers
Personalized coaching, education, counseling and advocacy
quickly manage their enrollment information — offering an
for members with diabetes.
alternative to manually collecting, inputting, and managing
Heart Health
employee benefit enrollment data. With eEnroll, employers have
Nationally accepted clinical protocols and personalized sup-
one central website to access, update and report their central-
port for members with hypertension (high blood pressure).
ized data.
Maternity Management
Special Additions program — personalized guidance and
More Round-the-Clock Resources
information for moms-to-be throughout their pregnancy.
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Stopping Tobacco Use
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Kick the Nic! 12-week personalized program — supervised
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by a health coach; offers free physician visit and medication
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24/7 toll-free nurse advice line
Online access to a team of medical professionals
15-minute online personal health appraisal
Health reminders by email
(if prescribed), plus nicotine replacement therapy without a
prescription.
Nurse Care Managers — For our members with severe or
chronic conditions, our experienced and compassionate nurse
care managers serve as personal advocates to help them better
understand their treatment options.
Personal Health Coaches — Our personal health coaches work
one-on-one with our members in setting and reaching goals for
a healthier life. Members receive personalized support and educational resources for weight management, exercise, nutrition,
smoking cessation and more — all with the focus of getting and
staying healthy.
For more information, contact your
QualChoice Regional Sales Manager at
800.228.7111 or 501.228.7111.
For a list of BRAVO! participating
associations, visit:
qualchoice.com — Select Products & Services
mybravobenefits.com (code=bravo)
QualChoice is the sole carrier of choice in Arkansas providing health benefits to HIPGs.
www.qualchoice.com • 800.235.7111 • Little Rock 501.228.7111 • Northwest Arkansas 479.442.0700
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