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Summary of Benefits & Coverage (SBC)
Welcome to Nextep's employee benefits!
This is the place to see the small print. Below are links to downloadable summary of benefits and coverage (SBC) documents for Nextep's benefit plans. Straight from the carriers, these docs provide easy-to-understand details about your coverage.
On each SBC, you will find a plain-language summary of your plan, including deductible, copay, and prescription medication info.
Unless noted otherwise, summaries are effective Oct 1, 2026 to Sept 30, 2027.
Want more info?
Learn more about each benefit and read detailed FAQs.
Health Plans
Select a plan type below, watch an overview, and download your SBC. You can see your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
How do health plans work?PPO Plans
With a Preferred Provider Organization (PPO) plan, you can go to any medical provider, but you'll pay less when you stay in-network. PPOs often feature lower deductibles.
HDHP Plans
A High-Deductible Health Plan (HDHP) offers lower monthly premiums and the eligibility to hold an HSA. To offset the savings, they often have a higher deductible.
Available HDHP Plans
- ACO HDHP 3500 Platinum- AZ
- ACO HDHP 3500 Platinum- UT
- ACO HDHP 5000 Plus - UT
- ACO HDHP 5500 Plus - AZ
- EPO HDHP 1650 Platinum
exp 9/30/2026 - EPO HDHP 1700 Platinum
- EPO HDHP 2500 Platinum
- EPO HDHP 3500 Plus
- EPO HDHP 5000 Plus
- EPO HDHP 6000 Plus
- HDHP 2000 Platinum
- HDHP 2500 Platinum
- HDHP 3300 Platinum
exp 9/30/2026 - HDHP 3300 Platinum+ Copay
exp 9/30/2026 - HDHP 3400 Platinum
- HDHP 3400 Platinum + Copay
- HDHP 3500 Plus
- HDHP 4000 Platinum
- HDHP 5000 Plus
- HDHP 5900 Platinum
- HDHP 5950 Platinum
exp 9/30/2026 - HDHP 6350 Platinum
- HNO HDHP 5000 Plus - TX
- HNO HDHP 5000 Plus - CO
- HNO HDHP 5000 Plus - TN
- PPO HDHP 2000 Platinum
- PPO HDHP 2500 Platinum
- PPO HDHP 3300 Platinum
exp 9/30/2026 - PPO HDHP 3400 Platinum
- PPO HDHP 4000 Platinum
- PPO HDHP 5000 Plus
- PPO HDHP 5900 Platinum
- PPO HDHP 5950 Platinum
exp 9/30/2026
POS / Flex Plans
A Point of Sale (POS, or "Flex") plan lets you receive care from any doctor in or out of the network, but costs are lower when you choose an in-network provider.
Available Flex Plans
HMO Plans
A Health Maintenance Organization (HMO) plan keeps your costs low by requiring you to get in-network care and coordinate through a primary care physician.
Available HMO Plans
HNO Plans
The Health Network Organization (HNO) plan covers your care only when you use in-network doctors, but lets you skip choosing a primary care physician.
Available HNO Plans
EPO Plans
An Exclusive Provider Organization (EPO) plan covers your medical care only if you use doctors and hospitals within its specific network, except in a true emergency.
Planes PPO (Haz clic en cada categoría para expandirla)
Con un plan de Organización de Proveedores Preferidos (PPO), puede acudir a cualquier proveedor médico, pero pagará menos si permanece dentro de la red.
Planes HDHP
Un Plan de Salud con Deducible Alto (HDHP) ofrece primas mensuales más bajas y la elegibilidad para tener una cuenta HSA.
Planes HDHP Disponibles
- ACO HDHP 3500 Platinum- AZ
- ACO HDHP 3500 Platinum- UT
- ACO HDHP 5000 Plus - UT
- ACO HDHP 5500 Plus - AZ
- EPO HDHP 1650 Platinum
Expira el 30/09/26 - EPO HDHP 2500 Platinum
- EPO HDHP 1700 Platinum
- EPO HDHP 3500 Plus
- EPO HDHP 5000 Plus
- EPO HDHP 6000 Plus
- HDHP 2000 Platinum
- HDHP 2500 Platinum
- HDHP 3300 Platinum
Expira el 30/09/26 - HDHP 3300 Platinum+ Copay
Expira el 30/09/26 - HDHP 3400 Platinum
- HDHP 3400 Platinum+ Copay
- HDHP 3500 Plus
- HDHP 4000 Platinum
- HDHP 5000 Plus
- HDHP 5900 Platinum
- HDHP 5950 Platinum
Expira el 30/09/26 - HDHP 6000 Platinum
- HDHP 6350 Platinum
- HNO HDHP 5000 Plus - TX
- HNO HDHP 5000 Plus - CO
- HNO HDHP 5000 Plus - TN
- PPO HDHP 2000 Platinum
- PPO HDHP 2500 Platinum
- PPO HDHP 3300 Platinum
Expira el 30/09/26 - PPO HDHP 3400 Platinum
- PPO HDHP 4000 Platinum
- PPO HDHP 5000 Plus
- PPO HDHP 5900 Platinum
- PPO HDHP 5950 Platinum
Expira el 30/09/26
Planes POS / Flex
Un plan de Punto de Servicio (POS o "Flex") le permite recibir atención de cualquier médico dentro o fuera de la red, pero los costos son más bajos al elegir un proveedor de la red.
Planes Flex Disponibles
Planes HMO
Un plan de Organización para el Mantenimiento de la Salud (HMO) mantiene sus costos bajos al exigirle que reciba atención dentro de la red.
Planes HMO Disponibles
Planes HNO
El plan de Organización de la Red de Salud (HNO) cubre su atención solo cuando utiliza médicos de la red, pero le permite omitir la elección de un médico de atención primaria.
Planes HNO Disponibles
Planes EPO
Un plan de Organización de Proveedores Exclusivos (EPO) cubre su atención médica solo si utiliza médicos y hospitales dentro de su red específica, excepto en una verdadera emergencia.
Dental Plans
Nextep offers comprehensive dental coverage designed to help keep your smile healthy and your costs manageable.
Available Dental Plans
See your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
Planes Dentales
Nextep ofrece una cobertura dental integral diseñada para ayudar a mantener su sonrisa saludable y sus costos manejables.
Vision Plans
Our vision coverage gives you access to exams and lenses or frames through an extensive network of providers.
Available Vision Plans
See your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
Planes de Visión
Nuestra cobertura de la vista garantiza que tenga acceso a exámenes, lentes y armazones a través de una amplia red de proveedores.
Planes de Visión Disponibles
Disability
Select a plan below, watch an overview, and download your SBC.
How do disability plans work?Disability Plans
This coverage helps replace part of your income when you are unable to work due to a short- or long-term dsability.
Available Disability Plans
See your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
Short-Term Disability (STD)
Long-Term Disability (LTD)
Life and AD&D
Select a plan below, watch an overview, and download your SBC.
How do life and AD&D plans work?Life and AD&D Plans
These plans pay your beneficiaries in the event of your death of accidental dismemberment.
Available Life and AD&D Plans
See your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
Voluntary Plans
Employer-Sponsored Plans
Planes de vida
Estos planes indemnizan a sus beneficiarios en caso de fallecimiento por desmembramiento accidental.
Planes de vida
Consulte sus planes y costos específicos disponibles en su portal de inscripción de beneficios Elevate by Nextep™.
Planes voluntarios
Additional Supplemental Plans
Select a plan below and download your SBC.
Learn more about supplemental plansSupplemental Plans
These plans cover an array of health and life conditions.
Available Supplemental Plans
See your specific available plans and costs in your Elevate by Nextep™ benefits enrollment portal.
Otros planes de beneficios complementarios
Seleccione un plan a continuación y descargue su SBC.
Planes de beneficios complementarios
Consulte sus planes y costos específicos disponibles en su portal de inscripción de beneficios Elevate by Nextep™.
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Quick Links: Nextep Benefit Plans
If the terms of this plan overview and the policy differ, the policy will govern. ⇧ Back to top
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Need help navigating benefits or finding a provider? Our experts are a click away.
Call us at 888-811-5150, chat with us in your Elevate by Nextep™ account, or click the button below to get in touch.