WHAT IS A COOPERATIVE?
Health insurance owned by you
As a cooperative, CGHC is governed by a Board of Directors elected by our members and operated for the mutual benefit of our members. Also, any earnings we make are returned to our members in the forms of lower prices and improved services. This level of cooperation builds a strong bond between the people in the cooperative. We are all working toward the same goals – keeping members healthy and making health care as affordable as possible.
At Common Ground Healthcare Cooperative, our members come first and we are committed to providing trusted and understandable information. That’s why we make our health insurance plans simple to use and easy to understand. This isn’t always the case with other plans. When you’re choosing a health insurance plan, be sure to shop, compare and ask the right questions. The chart below can help you understand how we differentiate ourselves and put our members first.
|Primary Care Physicians and referrals||CGHC does not require members to select a primary care doctor or get referrals to see specialists.|
|Pharmacy network||CGHC does not limit you to certain in-network pharmacy providers.|
|In-network coverage||CGHC offers Exclusive Provider Organization (EPO) plans for individual and family coverage, which includes out-of-network coverage in emergencies and other limited circumstances.|
|Deductibles and out of pocket maximums||CGHC small group plans have separate deductibles only for care received from in-network providers versus out-of-network providers. Be sure you understand what separate deductibles are offered in your plan before you choose.|
|Emergency care||At CGHC, emergency care received from an out-of-network provider applies to co-pays, coinsurance, deductibles and maximum out-of-pocket amounts; however, CGHC can only cover out-of-network emergency care up to the maximum allowed amount. Members may be subject to balance billing.|