Prepared for your team
The health plan your team is considering.
A nationwide plan with a company-funded HSA, straightforward cost sharing, and human help when care gets complicated.
Company contribution
100% of employee premiums
Dependent contribution
100% of dependent premiums
Plan rate
$757.33 monthly baseline
How the numbers work
One simple path from care to your limit.
Company HSA deposit
$1,700
Funds the individual deductible
Individual deductible
$1,700
$3,400 family
After the deductible
20%
Member share for covered care
Individual maximum
$5,000
$10,000 family
HSA deposits belong to the employee and roll over. Final location and coverage-tier pricing appears in the approved quote.
Included in the plan
The benefits that stay consistent.
$0 virtual primary care, 24/7
Get virtual primary and urgent care without meeting the deductible first.
Any licensed provider nationwide
Choose care across all 50 states without referrals or a narrow network.
$0 virtual therapy and psychiatry
Virtual mental health care is covered at $0 before the deductible, with no session limit.
$0 preventive care
Covered preventive services are available without member cost sharing.
Prescriptions $0 after the deductible
All non-specialty prescriptions are $0 after the deductible. Listed chronic preventive medications are always $0, and Rivendell coordinates specialty medications directly.
PT, chiro, and acupuncture covered
Physical therapy, chiropractic care, and acupuncture are covered like any other in-person care. Rivendell coordinates extended treatment plans.
Selected by the company
Optional benefits in this design.
No optional benefits are selected in this draft.
Using the plan
Everyday care is simple. Large care gets help.
01
Use the Rivendell card
Pay eligible everyday care with the company-funded card and upload the itemized receipt.
02
We coordinate large care
For hospital care, specialty medication, and other large claims, Rivendell coordinates payment directly.
03
Ask a human for help
Rivendell helps members understand benefits, find care, and work through billing questions.
How the money works
Your premium dollars stay accountable.
Unused claims surplus
100% yours
Surplus in the claims fund is employer-owned, not carrier profit
Stop-loss protection
Companion Life
Large claims are backstopped by an A-rated carrier
Renewal design
Experience rated
Renewals are rated on your group's own claims experience
$40/member/month distribution: paid to your broker of record, or retained as program risk margin on direct accounts.
Questions from real teams
The details people ask before switching.
What if I have a chronic condition?
The same deductible, coinsurance, and out-of-pocket maximum apply. Listed chronic preventive medications are covered at $0.
How are specialty drugs and large claims handled?
Contact Rivendell before specialty medication or planned hospital care. The team coordinates the appropriate pharmacy or direct billing path.
Can this overlap with another health plan?
Yes. Standard coordination-of-benefits rules determine which plan pays first. Rivendell will help the member confirm the order before care.
Do I need an SSN to receive the Rivendell card?
The card is issued through the employer plan rather than as personal credit, so a missing SSN does not block card issuance.