Medical Benefits

health benefits

Every employee has unique needs. That's why Nextep offers a number of different plan designs to fit diverse, unique lifestyles.

Our benefits experts administer your health plans 100%, delivering them on our easy-to-use technology platform and freeing you to focus on your work. Whether it's a question with ID cards, claims, or coverage, we're here to help.

Health Plan Features

Our medical plans cover in-network preventative services 100% with the deductible waived. Depending on age, members have access to all of these benefits, regardless of which plan they select:

  • Annual routine physical exams for adults
  • Routine gynecological exams
  • In-network prenatal maternity office visits
  • Well-baby and well-child visits, ages birth to 22
  • Blood pressure, diabetes, and cholesterol tests
  • Annual cancer screenings for certain age groups
  • Flu and pneumonia shots, plus vaccinations
  • Counseling and vaccines for healthy pregnancies
  • Routine hearing exams every 24 months
  • Counseling on topics such as smoking, weight, depression, and alcohol

Meet Nextep's friendly benefits department!

Summary of Benefits!

health benefits

Click the link below to find your health plan summary!



Answers to your questions

Questions? We have answers! Here are your most frequent health plan questions.

Q: How do I receive medical care?

A: Simply select an in-network health care according to your plan and call to make an appointment.

When at the appointment, present your medical ID information using your app or on your card.

You may still receive coverage wthout your ID card as well, as long as you have your member information.

After receiving care, simply pay the health care provider according to your plan.

Q: Will I receive an ID card?

A: You will receive new ID cards for each participant at your home address. Enrollments processed after your designated online enrollment period may result in ID cards arriving later, even though coverage will be effective.

To access your ID cards, log in at, then click on My Benefits. Once you're on the benefits page, choose Insurance Cards.

Q: What is a PPO plan?

A: Nextep's flex plans offer the affordability of a preferred provider organization (PPO) plan, but with a wider, more flexible network. These plans feature lower deductibles, perfect for families or individuals who would be high utilizers of the benefit.

Watch this video for a quick overview of PPO-style plans.

Q: What is an HNO?

A: Health network option (HNO) plans offer coverage at lower costs. Get the same rich benefits you enjoy from PPO-style plans, including preventative care and prescription drugs. Since these plans are region-specific, it is very important to stay in-network.

Watch this video for a quick overview of HNOs.

Q: What is an HDHP?

A: High-deductible health plans (HDHPs) have higher deductibles and lower costs, allowing participants to put the extra cost savings into a health savings account (HSA). HSAs allow employees and their families to have more control over where their health care dollars go.

Q: What is an HMO?

A: With a health maintenance organization (HMO) plan, you must choose a primary care physician (PCP) from a network of local health care providers who will refer you to in-network specialists or hospitals when necessary. All care is coordinated through the PCP at a significant savings.

Q: What is an ACO?

A: Accountable care organization (ACO) plans take a new approach to health care. You'll have a care team that includes doctors, nurses, therapists, and other health care providers. To get the most savings out of this benefit, choose a PCP to lead your health team and stay in-network.

To find doctors that are part of your health team, visit and find the whole health plan for your region.

Q: How do I decide on a plan?

A: Finding benefits that fit your needs can be tough. That's why we offer a variety of plan designs, allowing you to find one that offers the right combination of coverage and affordability.

If you are a high utilizer of the plan, you may consider one with higher coinsurance and a lower deductible. If you and your family are relatively healthy, you may consider a higher deductible, lower-cost plan to maximize your savings.

Nextep's benefits department is here to help!

Do you have more questions about our benefits? Log in to your account and chat with us, call 888-811-5150, or submit your question here.