Are you a small business owner who wants more from their insurance?
Meet Simplete.

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Brought to you by

Memorial Health System

Simplete is a simple solution for complete coverage. Through a partnership with Health Alliance, Simplete puts the power of insurance decisions in the hands of Memorial, a trusted healthcare leader, to help decrease costs and provide patients better, more convenient care.

Find small group health insurance plans in your area

Simplete in 60 Seconds

Take a minute to see all the ways Simplete, a new idea in health insurance from Memorial Healthcare System, can bring you more. And if you like what you see, enter your information to see how much you can save with Simplete.

With Simplete, you get more.

More Value

with lower in-network costs. By coordinating the communication between caregivers, less layers of contact are needed; saving time and money.

More Peace of Mind

with a Nurse Concierge, a single point of contact for patients to inquire about medical information, care coordination, billing and coverage requirements.

More Perks

for primary care. With Simplete, there are no fees for primary care, and patients have 24/7 access to virtual visits, ideal for common illnesses.

More Focus on You

with decisions in the hands of Memorial and the doctors everyone’s working together to ensure patients get the best care and results possible.

More Opportunities

for healthy living. Simplete not only helps you when you’re sick, but can help you stay well, through prevention screenings and fitness program discounts.

Troxell is Memorial Simplete's preferred insurance broker

Find a plan

2020 Small Group Direct Plans

Switch to 2019 Plan Year

Simplete plans are comprised of tiered-provider network. The amount employees pay out of pocket for servces and treatment depends on the provider they see.

Plan Type

HMO
POS
HSA

Metal Level

Platinum
Gold
Silver
Bronze

HMO 500 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $500 $500 N/A
Family Deductible $1000 $1000 N/A
Individual Out-of-Pocket Max $3,500 $3,500 N/A
Family Out-of-Pocket Max $7,000 $7,000 N/A

HMO 2500 Gold

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $2500 $2500 N/A
Family Deductible $5000 $5,000 N/A
Individual Out-of-Pocket Max $7,000 $7,000 N/A
Family Out-of-Pocket Max $14,000 $14,000 N/A

HMO 4000 HSA Silver

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $4,000 $4,000 N/A
Family Deductible $8,000 $8,000 N/A
Individual Out-of-Pocket Max $6,750 $6,750 N/A
Family Out-of-Pocket Max $13,500 $13,500 N/A

HMO 6000 HSA Bronze

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $6,000 $6,000 N/A
Family Deductible $12,000 $12,000 N/A
Individual Out-of-Pocket Max $6,750 $6,750 N/A
Family Out-of-Pocket Max $13,500 $13,500 N/A

POS 1000 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $1,000 $1,000 $2,000
Family Deductible $2,000 $2,000 $4,000
Individual Out-of-Pocket Max $3,500 $3,500 $14,500
Family Out-of-Pocket Max $7,000 $7,000 $29,000

POS 1500 Gold

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $1,500 $1,500 $3,000
Family Deductible $3,000 $3,000 $6,000
Individual Out-of-Pocket Max $7,000 $7,000 $15,500
Family Out-of-Pocket Max $14,000 $14,000 $31,000

POS 3500 Gold

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $3,500 $3,500 $7,000
Family Deductible $7,000 $7,000 $14,000
Individual Out-of-Pocket Max $7,500 $7,500 $19,500
Family Out-of-Pocket Max $15,000 $15,000 $39,000

POS 3700 Silver

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $3,700 $3,700 $7,400
Family Deductible $7,400 $7,400 $14,800
Individual Out-of-Pocket Max $8,150 $8,150 $19,900
Family Out-of-Pocket Max $16,300 $16,300 $39,800

POS 6000 Bronze

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $6,000 $6,000 $12,000
Family Deductible $12,000 $12,000 $24,000
Individual Out-of-Pocket Max $8,150 $8,150 $24,500
Family Out-of-Pocket Max $16,300 $16,300 $49,000

Find a plan

2019 Small Group Direct Plans

Switch to 2020 Plan Year

Simplete plans are comprised of tiered-provider network. The amount employees pay out of pocket for servces and treatment depends on the provider they see.

Plan Type

HMO
POS
HSA

Metal Level

Platinum
Gold
Silver
Bronze

HMO 100 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $100 $300 N/A
Family Deductible $200 $600 N/A
Individual Out-of-Pocket Max $2,000 $3,000 N/A
Family Out-of-Pocket Max $4,000 $6,000 N/A

HMO 250 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $250 $500 N/A
Family Deductible $500 $1,000 N/A
Individual Out-of-Pocket Max $2,500 $5,000 N/A
Family Out-of-Pocket Max $5,000 $10,000 N/A

HMO 750 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $750 $1,500 N/A
Family Deductible $1,500 $3,000 N/A
Individual Out-of-Pocket Max $2,500 $4,000 N/A
Family Out-of-Pocket Max $5,000 $8,000 N/A

HMO 2000 Gold

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $2,000 $3,500 N/A
Family Deductible $4,000 $7,000 N/A
Individual Out-of-Pocket Max $4,000 $7,900 N/A
Family Out-of-Pocket Max $8,000 $15,800 N/A

HMO 3500 HSA Bronze

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $3,500 $5,000 N/A
Family Deductible $7,000 $10,000 N/A
Individual Out-of-Pocket Max $6,750 $6,750 N/A
Family Out-of-Pocket Max $13,500 $13,500 N/A

POS 750 Platinum

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $750 $1,500 $3,000
Family Deductible $1,500 $3,000 $6,000
Individual Out-of-Pocket Max $2,500 $4,000 $15,000
Family Out-of-Pocket Max $5,000 $8,000 $31,000

POS 1500 Gold

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $1,500 $3,000 $6,000
Family Deductible $3,000 $6,000 $12,000
Individual Out-of-Pocket Max $4,500 $7,000 $18,500
Family Out-of-Pocket Max $9,000 $14,000 $37,000

POS 2500 Silver

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $2,500 $4,000 $8,000
Family Deductible $5,000 $8,000 $16,000
Individual Out-of-Pocket Max $5,000 $7,900 $20,500
Family Out-of-Pocket Max $10,000 $15,800 $41,000

POS 4500 Bronze

Simplete Memorial

Preferred Network In Network Out of Network
Individual Deductible $4,500 $7,000 $14,000
Family Deductible $9,000 $14,000 $28,000
Individual Out-of-Pocket Max $7,900 $7,900 $26,500
Family Out-of-Pocket Max $15,800 $15,800 $53,000

FAQ's

How can we help you?

If you still have questions, send us message!

How is Simplete different from other health insurance plans?

Simplete is a new concept in healthcare delivery with the goal to offer complete coverage that is simple to navigate. It brings providers and health insurance to the table in a new way, all to benefit patients throughout their healthcare journey. Simplete plans are designed by providers with you and your employees in mind. The plans are priced to save employers money on premiums and when their employees stay in network they are rewarded by lower out of pocket costs and a simple process.

What is a Tiered Provider Network?

With a Tiered-Provider network, how much a member pays out-of-pocket for services depends on the provider they see. In the case of Simplete, there are three tiers—Memorial Tier 1, In-Network Tier 2, Out-of-network Tier 3. Members will pay the least out of pocket for Memorial Tier 1 providers. The Out-of-network Tier 3 is only available with the Simplete POS plans.

What is the difference between Simplete plans?

The HMO plans offer two levels of in-network coverage. While members must use an in-network provider, they have access to both Memorial Tier 1 and in-network Tier 2 providers. With lower premiums these plans offer the most value for employer groups. POS plans offer more flexibility. Members have access to Tier 1 and Tier 2 providers and pay less out of pocket when using these tiers. If members are willing to pay more out-of-pocket, they also have the opportunity to use out-of-network Tier 3 providers.

Will my employees have to change doctors?

In most cases, your employees will still have in-network access to their doctors. Memorial, Springfield Clinic and SIU primary care physicians are all in-network providers. If some of your employees do not have doctors within these groups, we offer POS plans that allow members to go out of network to see another physician. In the provider directory (link), Tier 1 and Tier 2 providers are identified with a badge.

If this insurance plan is through Memorial, does that mean members can’t ever go to another hospital?

The collaboration between the health system and insurance provider allows for lower premiums and less costly in-network coverage. Members will pay the least amount out-of-pocket by going to Memorial Health System when they receive care locally, but other hospitals are also included in the network. And don’t worry! If a member has an emergency while out of town, they will be covered at the in-network benefit level.

Why is Simplete not available in my area?

Simplete is a new, innovative approach to health insurance. Initially, it will only be offered in eight of Memorial Health System's core counties (Cass, Christian, Logan, Mason, Menard, Morgan, Sangamon, Scott).

How can I purchase a Simplete Plan?

You can purchase a Simplete Plan through Health Alliance directly or through our preferred insurance broker: Troxell.