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Download a high-level overview of all plans. NOTE: Your plan availability may vary; verify in your Elevate by Nextep™ account.

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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, 2025 to Sept 30, 2026.

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Health Plans

Select a plan type below, watch an overview, and download your SBC.

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.

Available PPO Plans

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.

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

HMO 0/$30 - California

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.

Available EPO Plans

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 PPO Disponibles

Planes HDHP

Un Plan de Salud con Deducible Alto (HDHP) ofrece primas mensuales más bajas y la elegibilidad para tener una cuenta HSA.

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

HMO 0/$30 - California

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.