Guided Plans

Guided Care.

Serious Protection.

Catastrophic protection that helps you navigate your care and get the most from your benefits—for less. Guided plans protect you from the big stuff—surgeries, hospitalizations, and serious illness—with a dedicated Care Coordination team in your corner.



Before any non-emergency service, the Care Coordination team helps you find quality providers and arrange care. Coordinated care can mean dramatically lower costs or even $0 out of pocket with Guided Ethos. 


What's Covered

Surgery

Inpatient and outpatient surgical procedures, including related facility and anesthesia costs.


Hospitilazation

Inpatient hospital stays, room and board, and associated services during an approved medical event.

Illness

Diagnosis and treatment of serious illness, including related services tied to the same medical event.

Injury

Accidental injuries requiring medical care, including follow-up treatment for the same condition.


Maternity

Vaginal up to $25,000 · C-section up to $50,000. Member + Spouse or Family tier required.

Emergency

No prior approval needed. Deductible + coinsurance apply.

Guided Ethos

Guided Align

Protects your budget

Reduce claims up to 15%, and keep big claims off your plan when members follow the care pathway.

$0 out of pocket

Seriously. No deductible, copay, or coinsurance when they follow the steps. 

Simplifies compliance

Expert support with no compliance headaches, penalty risk, or insurance red tape.

Easy to use

One care team, one number to call, one simple path to follow—no stress, no confusion.

Supports your team

Improved healthcare access with real benefits that people can easily understand and actually use.

No "gotcha" bills

Every cost is known upfront. No balance bills or retroactive denials.

Get benefits that get you.

Employee benefits designed with you in mind.