Zuniga Health

Health plan networks

Advocate Health Care in Chicago. 31 networks across all 50 states.

Your employees shouldn't lose access to good care because they live or travel outside one network. With Zuniga Health, one plan gives your team:

Advocate
Health Care in Metro Chicago
31
national and regional networks
50
states covered

How your employees are covered

1

In Metro Chicago: Advocate Health Care. Employees get plans built with Advocate Health Care, with access to hundreds of Advocate providers, plus telehealth.

2

Beyond Advocate: a wrap network. When employees need care outside the Advocate system, a wrap network covers them at contracted rates.

3

Everywhere else: 31 networks. Remote staff, other locations and traveling employees can use 31 national and regional PPO networks in all 50 states.

Plan types and their networks

Pick the plan that fits your budget. Level-funded PPO and HDHP plans use Advocate Health Care in Metro Chicago plus all 31 networks. MEC and MV plans use the PHCS network.

MEC
Minimum Essential Coverage: preventive care and ACA compliance at the lowest cost. Uses the PHCS network.
MVP
Minimum Value Plan: meets the ACA's minimum-value and affordability standard. Uses the PHCS network.
PPO
Full major-medical coverage with copays and freedom to choose providers
HDHP
High-deductible plan with lower premiums; HSA-eligible

The 31 networks

Available on our level-funded PPO and HDHP plans, with no reference-based pricing. MEC and MV plans use the PHCS network, and MV plans use reference-based pricing for hospital services; see MEC/MVP for details.

  • America's PPO
  • AMPS
  • Cigna
  • Cofinity
  • Encore Combined Network
  • Encore PPO
  • Encore Prime
  • First Choice Health (Northwestern US)
  • First Choice Health Plan of Mississippi
  • First Health – Complementary (OOA)
  • First Health – Full Network
  • Health Finest Network (HFN20)
  • HealthLink
  • HealthLink & Freedom
  • Healthsmart
  • High-Performance Health Network
  • Louisville Health System
  • Magnacare
  • Medcost (NC/SC)
  • Medcost (Virginia)
  • Medical Mutual of Ohio
  • Midlands Choice (250+ staff)
  • Midlands Choice (under 250 staff)
  • Mississippi Physicians Care Network
  • MultiPlan
  • Ohio PPO Connect
  • Ohio PPO Connect (as a wrap)
  • PHCS
  • PHCS & HST
  • ProviDrs Care
  • The Alliance & Trilogy

Built to cost less

  • Level-funded PPO and HDHP premiums typically 15–20% lower than fully insured carriers
  • Level-funded PPO and HDHP: 100% of unused claims dollars refunded to you
  • Level-funded PPO and HDHP: no reference-based pricing, so fewer surprise bills for employees
  • Plans for employers with 25 to 2,000+ employees

Is your renewal coming up in the next few months?

Request a quote and we'll show you how a level-funded PPO or HDHP plan compares to what you're paying today. It takes about 15 minutes to walk through.

Request a quote630-548-5826