Group Health Insurance

Group Health Plans

    WPS Small Group Health Plans

    PPO Health Insurance Plans for Illinois Businesses


WPS small group plans are available in a range of coinsurance and copay options that meet your employees' needs and protect your bottom line. All meet the requirements of the Affordable Care Act. Plus, our prescription drug benefit features tiered copayments to maximize cost efficiency and value. You can offer your employees a choice of up to four benefit designs, each with a different combination of deductibles, copays, and coinsurance. You fund the base plan, and your employees can buy up to higher-cost options if they wish. For more information, talk to an agent.

All WPS plans include these generous benefits:

  • Smart network flexibility. Use The Alliance® network and the First Health national wrap for versatile coverage. Download our network tip sheet or visit our Networks tab to learn more.
  • 100% coverage for in-network preventive care.
  • $0 copay on select preventive medications1—See plan for details.
  • Fitness reimbursement2 lets employees earn a cash reward each month for staying active.
  • Discounts at fitness centers nationwide through Active&Fit Direct Program2.
  • Telehealth services from our approved telehealth provider.
  • Deep online health resources from educational articles and self-help tools to a comprehensive health encyclopedia.

WPS HealthyChoices Illinois plans include these extensive benefits:

  • 100% coverage for in-network preventive care.
  • PPO convenience means no primary care doctors or referrals required.
  • Leading pharmacy benefits with an in-home delivery program.

WPS HealthyChoices Copay

Choose from a range of deductibles, coinsurance, and copay options that meet your employees’ needs and protect your bottom line. This plan features coverage for a broad array of medical services, including first-dollar coverage for preventive services, such as annual exams, lab tests, and screenings.

WPS HealthyChoices HDHP

This lower-premium, HSA-qualified plan empowers employees to budget and pay for qualified medical expenses using tax-free dollars from their own health savings account. The employee-owned and employee-controlled funds can roll over from year to year, and the account moves with your employees.

HSA-Qualified High-Deductible Health Plans Available

The WPS Small Group HDHP plan features low premiums and a Health Savings Account (HSA) that lets employees budget and pay for qualified medical expenses using tax-free dollars. The employee-owned, employee-controlled funds can be rolled over from year to year, and the account moves with the employee, providing a sense of security. For more information, view our HSA FAQ.

1Preventive care services include routine exams, screenings, immunizations, and other services ranked A or B by the U.S. Preventive Services Task Force. 2Preventive drugs include specific supplements, contraceptives, immunizations, and other preventive drugs ranked A or B by the U.S. Preventive Services Task Force. 3The Active&Fit Direct and ExerciseRewards programs are provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Incorporated (ASH). Active&Fit Direct and ExerciseRewards are trademarks of ASH and used with permission herein. If you think an employee might be unable to meet a standard for a reward under this wellness program, the employee might qualify for an opportunity to earn the same reward by different means. 4Benefit does not apply to HSA-qualified HDHPs.

    Self-Funded Health Insurance Plans


WPS Self-Funded Plans for Small Businesses

WPS Freedom Flex plan provides many options for businesses with 25 or more participating employees who want to customize their coverage and maximize their benefits. WPS Freedom Essentials plan offers businesses with 10 or more participating employees the chance to get more direct control over health insurance costs with a smartly designed plan that works right out of the box.

With these plans, your business funds the health plan and makes all the decisions, while WPS Health Insurance takes care of the administrative work. The better you manage the health of your employees, the more money your company saves. Plus, because these plans are self-funded, they are exempt from many Affordable Care Act requirements, which eliminates some of the uncertainty and expenses.

  • Health Care Provider Networks


    The Alliance Network

    Offers access to major hospitals, health systems, and physicians in northern Illinois and in southern and south-central Wisconsin.

    Across the U.S.—First Health Wrap
    • More than 1 million health care professional service locations
    • 5,000 hospitals
    • 90,000 ancillary facilities
    • Family at the clinic
  • Plan Materials

    View and download health plan information

Is your doctor in your network?