Exclusive Health Plans Only for Cornerstone PEO Clients

Stone Hill National and Cornerstone PEO have put together some of the most comprehensive health plans for you and your employees, whatever your needs or situation may be.  We have done this to give you options in the marketplace as well as make sure you and your employees have access to top level healthcare choices.

Cobalt Health Plans

Plans powered by Allstate with exclusive benefits only available to Cornerstone Clients

Crimson Health Plans

Limited PPO Plans with Fixed Rates and Guaranteed Approval 

Slate Health Plans

ACA Compliant Minimum Essential Coverage Plans at Minimum Cost

Exclusive Bronze Plan

Exclusive Silver Plan

Exclusive Gold Plan

Coinsurance Options

70/30

80/20

90/10

Deductible (Individual/Family)

$5,000/$10,000

$3,000/$6,000

$1,500/$3,000

Out of Pocket Max

$7,500

$5,000

$2,500

Primary Care Office Visit

$60 Copay

$40 Copay

$20 Copay

Specialist Office Visit

$100 Copay

$60 Copay

$35 Copay

Urgent Care Office Visit

$100 Copay

$75 Copay

$75 Copay

Hospital and Surgery

Applies to Deductible and Coinsurance

$500 First Dollar Benefit, Deductible and Coinsurance follows

$100 First Dollar Benefit, Deductible and Coinsurance follows

Diagnostic, X Ray and Lab Services

Applies to Deductible and Coinsurance

Applies to Deductible and Coinsurance

Applies to Deductible and Coinsurance

Emergency Room Visits (Copay waived if admitted)

Applies to Deductible and Coinsurance

$500 Copay, Deductible and Coinsurance follows

$250 Copay, Deductible and Coinsurance follows

Rx (Generic/Preferred/Non-Preferred)

$20/$65/$100

$20/$50/$75

$15/$45/$60

Accident Medical Expense

$500

$500

$500

Outpatient physical medicine/chiropractic care

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Subacute Rehab and Nursing Facility

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Home Health Care

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Applies to Deductible and Coinsurance

Limited to 30 Visits per plan year

Mental/Behavioral Health and Substance Abuse Outpatient; groups under 50

Follows plan copay, deductible and coinsurance options chosen

Limited to 40 visits per plan year

Follows plan copay, deductible and coinsurance options chosen

Limited to 40 visits per plan year

Follows plan copay, deductible and coinsurance options chosen

Limited to 40 visits per plan year

Mental/Behavioral Health and Substance Abuse Outpatient; groups over 50

Follows plan copay, deductible and coinsurance options chosen

Follows plan copay, deductible and coinsurance options chosen

Follows plan copay, deductible and coinsurance options chosen

Mental/Behavioral Health and Substance Abuse Inpatient; groups under 50

In-network: Applies to deductible and 50% coinsurance.  Limited to 30 days per plan year.

Out-of-Network: Applies to deductible and 30% coinsurance. Limited to 30 days per plan year.

In-network: Applies to deductible and 50% coinsurance. Limited to 30 days per plan year.

Out-of-Network: Applies to deductible and 30% coinsurance. Limited to 30 days per plan year.

In-network: Applies to deductible and 50% coinsurance. Limited to 30 days per plan year.

Out-of-Network: Applies to deductible and 30% coinsurance. Limited to 30 days per plan year.

Mental/Behavioral Health and Substance Abuse Inpatient; groups over 50

Follows plan copay, deductible and coinsurance option chosen.

Follows plan copay, deductible and coinsurance option chosen.

Follows plan copay, deductible and coinsurance option chosen.

Walmart Health Virtual Care (WHVC) (optional for all plan designs)

HSA Plans: $38 access fee for WHVC Urgent Care and Talk Therapy

Non-HSA Plans: $0 access fee for WHVC Urgent Care and Talk Therapy

HSA Plans: $38 access fee for WHVC Urgent Care and Talk Therapy

Non-HSA Plans: $0 access fee for WHVC Urgent Care and Talk Therapy

HSA Plans: $38 access fee for WHVC Urgent Care and Talk Therapy

Non-HSA Plans: $0 access fee for WHVC Urgent Care and Talk Therapy

Infertility Treatments (Groups under 50 are not eligible for coverage)

Covered up to a maximum of $10,000 per plan year.  Note: Groups under 50 are not covered for Infertility Treatments

Covered up to a maximum of $10,000 per plan year. Note: Groups under 50 are not covered for Infertility Treatments

Covered up to a maximum of $10,000 per plan year. Note: Groups under 50 are not covered for Infertility Treatments

Additional Benefits Included Exclusively for Cornerstone PEO Clients

Alternative Medicine Benefit

Enjoy savings on a variety of specialties, including: acupuncture, massage therapy, hypnotherapy, yoga, and tai chi, with access to over 35 specialties and 35,000 practitioners nationwide.

Financial Wellness Benefit

Accredited or Certified Financial Counselors are accessible by phone to assess issues, discuss options, and help you determine the best course of action for your situation. The Online Financial Resource Center does the heavy lifting for research, providing a variety of vetted articles, videos, worksheets, checklists, and more to guide your financial Wellness journey.

LawAssure Benefit

Access and create high-quality, personalized legal documents, saving hundreds of dollars in attorney’s fees. Securely share your documents with trusted advisors or an attorney. Safely store and edit your documents, or export them for printing and signature.

Pet Care Benefit

Keep your mind at ease with access to savings on veterinary services, boarding, toys, treats, and a GPS-enabled pet tag to bring lost pets home quickly. 25% off all in-house medical services at participating veterinarians. $20 credit to Rover.com for boarding, sitting and walking (new users only). 25% off all purchases from PetCareRx.com, including prescriptions and preventatives. 24/7 Lost Pet Recovery Service, with pet tags for each enrolled pet. 35% off monthly Pin Paws membership with GPS enabled lost pet notification system.

Telephonic EAP Benefit

Unlimited 24/7 access to confidential, short term telephonic counseling. Access to EAP and Worklife partners and licensed professional counselors. Referrals for long-term counseling or specialized care when appropriate. Work/life services address concerns from adoption to eldercare, alcohol and drug abuse, stress management, grief and loss, legal and financial concerns, depression and much more. Organizational services to assist managers and HR staff.

Enhanced Health

Deluxe Health

Out of Pocket Max (Individual/Family)

$8,550/$17,100

$5,000/$10,000

PPO Network Access

PHCS Practitioner & Ancillary Facilities at RBP

PHCS Practitioner & Ancillary Facilities at RBP

Preventative and Wellness

Paid at 100%

Paid at 100%

24/7/365 Telemedicine

Unlimited Consultations, $0 Copay

Unlimited Consultations, $0 Copay

Virtual Behavior Health

Unlimited Consultations, $0 Copay

Unlimited Consultations, $0 Copay

Primary Care In-Office Visit (Exam or Consultation)

$25 Copay, Limit 8 Visits combined with SPC

$15 Copay, Limit 10 Visits combined with SPC

Specialist In-Office Visit (Exam or Consultation)

$50 Copay, Limit 8 Visits combined with PCP

$25 Copay, Limit 10 Visits combined with PCP

Urgent Care In-Office Visit (Exam or Consultation)

$50 Copay, Limit 2 Visits

$35 Copay, Limit 3 Visits

Diagnostic Services, Basic Laboratory In-Office (related to office visit, LabCorp, etc.)

$50 Copay, Limit 3 Visits, Combined with Radiology

$50 Copay, Limit 3 Visits, Combined with Radiology

Diagnostic Services, Basic Radiology (X-Rays) In-Office (related to office visit, LabCorp, etc.)

$50 Copay, Limit 3 Visits, Combined with Laboratory

$50 Copay, Limit 3 Visits, Combined with Laboratory

Diagnosis Services, Major In-Office (CT, MRI, PET)

$350 Copay, Limit 1 Visit

$350 Copay, Limit 2 Visits

Outpatient Services: Limited to Mental and Behavior Health and Substance Abuse

$350 Copay, Limit 2 Visits, Combined with Outpatient Hospital and Chemical Dependency

$350 Copay, Limit 2 Visits, Combined with Outpatient Hospital and Chemical Dependency

Emergency Room Services

$350 Copay, Limit 1 Visit

$350 Copay, Limit 1 Visit

Inpatient Hospitalization & Inpatient Surgery

$350 Copay, Admission Limit to 5 days & 2 Surgeries

$350 Copay, Admission Limit to 7 days & 3 Surgeries

Outpatient Hospital or Free Standing Facility Services and Surgery

$350 Copay, Limit 1 Visit

$350 Copay, Limit 2 Visits

Treatment for Chemical Abuse and Dependency

Outpatient: $25 Copay/Day, 5 day limit

Inpatient: $350 Copay/Day, 5 day limit

Outpatient: $25 Copay/Day, 7 day limit

Inpatient: $25 Copay/Day, 7 day limit

Home Health Care

$25 Copay, Limit 10 Visits

$25 Copay, Limit 10 Visits

Maternity Care

No Benefit

Global Professional Services: $350 Childbirth + Delivery Copay: $350

Patient Advocacy

Healthcare Navigation, Search & Compare Pricing Tool, Medical Bill Negotiation over $1,000 Medical Events

Healthcare Navigation, Search & Compare Pricing Tool, Medical Bill Negotiation over $1,000 Medical Events

Preventative Rx Benefit

Tier 1: $0 Copay, ACA Generics Only

Tier 1: $0 Copay, ACA Generics Only

Non-Preventative Rx Benefit

Retail Pharmacy Savings Card and Preferred Tier 1 Generics, $5 Copay

Retail Pharmacy Savings Card and Preferred Tier 1 Generics, $5 Copay

Crimson Health Plan Pricing

Enhanced Health Plan

Ages 18-39

Ages 40-64

Employee

$399

$467

Employee + Spouse

$723

$789

Employee + Children

$673

$727

Employee + Family

$993

$1,081

Deluxe Health Plan

Ages 18-39

Ages 40-64

Employee

$525

$579

Employee + Spouse

$838

$890

Employee + Children

$799

$865

Employee + Family

$1,146

$1,255

Starter

Advanced

Premium

Out of Pocket Max

N/A

N/A

N/A

PPO Network Access

PHCS Practitioner & Ancillary

PHCS Practitioner & Ancillary

PHCS Practitioner & Ancillary

Wellness and Preventative Screenings

100%, $0 Copay for ACA Services as Mandated by ACA for Adults, Women and Children

100%, $0 Copay for ACA Services as Mandated by ACA for Adults, Women and Children

100%, $0 Copay for ACA Services as Mandated by ACA for Adults, Women and Children

24/7/365 Telemedicine

Unlimited Consultations, $0 Copay

Unlimited Consultations, $0 Copay

Unlimited Consultations, $0 Copay

Virtual Behavior Health

Limit 3 Consultations, $0 Copay

Limit 3 Consultations, $0 Copay

Limit 3 Consultations, $0 Copay

Preventative Rx Benefit

100%, $0 Copay for ACA Compliant Covered Generic Prescriptions

100%, $0 Copay for ACA Compliant Covered Generic Prescriptions

100%, $0 Copay for ACA Compliant Covered Generic Prescriptions

Non-Preventative Rx Benefit

Retail Savings Card

Generic Only (Tier 1: $10 or less)

Generic Only (Tier 1: $10 or less)

Office Visits

Not Covered

Primary, Specialist & Urgent Care: $50 Copay, Max 6 Visits Combined

Primary, Specialist & Urgent Care: $25 Copay, Max 8 Visits Combined

Basic X-Ray & Lab Services

Not Covered

$50 Copay, Max 6 Combined

$25 Copay, Max 8 Combined

Hospital Confinement

Not Covered

Not Covered

$1,000 per day, Max 10 Days

Outpatient Hospital Services

Not Covered

Not Covered

$500 per day, Max 10 Days

Emergency Room

Not Covered

Not Covered

$250 Copay, $1,000 Annual Max Benefit

Non-Occupational Accident

Not Covered

Not Covered

Not Covered

Patient Advocacy

Not Covered

Healthcare Navigation, High-Cost Prescription Search, Medical Bill Negotiation (Medical Events OOP over $1,000)

Healthcare Navigation, High-Cost Prescription Search, Medical Bill Negotiation (Medical Events OOP over $1,000)

Slate Health Plan Pricing

Starter

Advanced

Premium

Employee

$5.00

$120.03

$171.47

Employee + Spouse

$89.00

$169.00

$226.50

Employee + Children

$89.00

$169.00

$226.50

Employee + Family

$109.00

$199.00

$269.00

Enhanced Dental Plan

In-Network

Out-of-Network

Maximum Benefit

The total amount insurance will pay per person/year

$2,000

$2,000

Deductible

The amount you pay before benefits apply

$0 Type 1, $50 Type 2&3, No Family Maximum

$0 Type 1, $50 Type 2&3, No Family Maximum

Claim Allowance

The highest insurance payment allowed for services

MAC

90th U&C

Preventative (Type 1)

Exams, X-rays, cleanings, fluoride for children

100%

100%

Basic (Type 2)

Fillings, extractions, root canals, gum disease treatment, denture repair, sealants for children

80%

80%

Major (Type 3)

Crowns/repair, onlays, bridges, dentures, space retainers, anesthesia

50%

50%

Adult and Child orthodontia

50% ($1,500 Lifetime Max)

50% ($1,500 Lifetime Max)

Enhanced Dental Pricing

AREA Number

Employee Only

Employee & 1 dependent

Employee & 2+ dependents

1

$38.52

$77.24

$145.36

2

$43.68

$87.60

$164.84

3

$47.52

$95.32

$179.32

4

$51.32

$102.92

$193.64

5

$58.76

$117.84

$221.72

AREA Number

STATES

1

AL, AR, KY, LA, NM, PR

2

AZ, MD, MO, MS, OH, OK, PA, TN, VA, WV

3

DC, IA, IN, KS, NE, RI, SC, TX, CO

4

AK, DE, FL, GA, ID, IL, ME, MI, MT, NV, NY, SD, UT, VT, WA, WI, WY

5

CA, CT, HI, MA, MN, NC, ND, NH, NJ, OR

Deluxe Dental Plan

In-Network

Out-of-Network

Maximum Benefit

The total amount insurance will pay per person/year

$1,500

$1,500

Deductible

The amount you pay before benefits apply

$0 Type 1, $50 Type 2&3, No Family Maximum

$0 Type 1, $50 Type 2&3, No Family Maximum

Claim Allowance

The highest insurance payment allowed for services

MAC

MAB

Preventative (Type 1)

Exams, X-rays, cleanings, fluoride for children

100%

100%

Basic (Type 2)

Fillings, extractions, root canals, gum disease treatment, denture repair, sealants for children

80%

80%

Major (Type 3)

Crowns/repair, onlays, bridges, dentures, space retainers, anesthesia

50%

50%

Deluxe Dental Pricing

AREA Number

Employee Only

Employee & 1 dependent

Employee & 2+ dependents

1

$25.88

$49.60

$82.88

2

$29.36

$56.28

$94.00

3

$31.92

$61.20

$102.20

4

$34.48

$66.08

$110.40

5

$39.52

$75.76

$126.52

AREA Number

STATES

1

AL, AR, KY, LA, NM, PR

2

AZ, MD, MO, MS, OH, OK, PA, TN, VA, WV

3

DC, IA, IN, KS, NE, RI, SC, TX, CO

4

AK, DE, FL, GA, ID, IL, ME, MI, MT, NV, NY, SD, UT, VT, WA, WI, WY

5

CA, CT, HI, MA, MN, NC, ND, NH, NJ, OR

Basic Dental Plan

In-Network

Out-of-Network

Maximum Benefit

The total amount insurance will pay per person/year

$1,000

$1,000

Deductible

The amount you pay before benefits apply

$0 Type 1, $50 Type 2&3, No Family Maximum

$0 Type 1, $50 Type 2&3, No Family Maximum

Claim Allowance

The highest insurance payment allowed for services

MAC

MAB

Preventative (Type 1)

Exams, X-rays, cleanings, fluoride for children

100%

100%

Basic (Type 2)

Fillings, extractions, root canals, gum disease treatment, denture repair, sealants for children

70%

70%

Major (Type 3)

Crowns/repair, onlays, bridges, dentures, space retainers, anesthesia

40%

40%

Basic Dental Pricing

AREA Number

Employee Only

Employee & 1 dependent

Employee & 2+ dependents

1

$22.12

$42.76

$72.84

2

$25.08

$48.48

$82.60

3

$27.28

$52.76

$89.84

4

$29.44

$56.92

$96.96

5

$33.72

$65.20

$111.04

AREA Number

STATES

1

AL, AR, KY, LA, NM, PR

2

AZ, MD, MO, MS, OH, OK, PA, TN, VA, WV

3

DC, IA, IN, KS, NE, RI, SC, TX, CO

4

AK, DE, FL, GA, ID, IL, ME, MI, MT, NV, NY, SD, UT, VT, WA, WI, WY

5

CA, CT, HI, MA, MN, NC, ND, NH, NJ, OR

VSP Vision Plan

VSP Choice Network

Out-of-Network

Benefit Frequencies

Exam, Eyeglass Lenses/Contacts, Frames

Every 12 Months

Every 12 Months

Deductible

The amount you pay before benefits apply

$10 Exam, $25 glasses or frames

$10 Exam, $25 glasses or frames

Annual Eye Exam

100%

100%

Lenses

Single Vision

Bifocal

Trifocal

Lenticular

Progressive


100%

100%

100%

100%

Up to the providers lined bifocal contracted fee


Up to $30

Up to $50

Up to $65

Up to $100

Up to lined bifocal allowance

Frames

$150

Up to $70

Contacts

Elective

Standard Fit & follow up exam


Up to $180

Member cost up to $160


Up to $145

No coverage

Prescription safety glasses

Covered in lieu of regular eyeglasses or contacts; lens and frame allowances apply

No coverage

EyeMed Insight Vision Plan

EyeMed Insight Network

Out-of-Network

Benefit Frequencies

Exam, Eyeglass Lenses/Contacts, Frames

Every 12 Months

Every 12 Months

Deductible

The amount you pay before benefits apply

$10 Exam, $25 glasses or frames

No Deductible

Annual Eye Exam

100%

Up to $35

Lenses

Single Vision

Bifocal

Trifocal

Lenticular

Progressive


100%

100%

100%

20% discount

Standard:$65+lens deductible

Premium: $85-$110 + lens deductible

Up to $20

Up to $40

Up to $55

No Coverage

No Coverage

Frames

$150

Up to $90

Contacts

Elective

Standard Fit & follow up exam


Up to $180

Member cost up to $160


Up to $145

No coverage

Prescription safety glasses

Covered in lieu of regular eyeglasses or contacts; lens and frame allowances apply

No coverage

VSP or EyeMed Insight Vision Pricing

Employee

$8.40

Employee + Children

$15.04

Employee + Spouse

$16.20

Employee + Family

$22.84

Accident Insurance

Plan 1

Plan 2

Employee

$4.83

$7.63

Employee + Spouse

$8.51

$13.35

Employee + Children

$10.26

$16.63

Employee + Family

$13.39

$21.48

Critical Illness Insurance

Hospital Indemnity Insurance

Plan 1

Plan 2

Employee

$5.33

$7.93

Employee + Spouse

$19.24

$28.86

Employee + Children

$6.50

$9.75

Employee + Family

$24.18

$36.14

Disability Insurance

Life Insurance

Identity Protection Select

Individual Plan

Family Plan

Weekly

$1.37

$2.76

Bi-Weekly

$2.75

$5.52

Semi-Monthly

$2.98

$5.98

Monthly

$5.95

$11.95


Frequently Asked Questions

What types of services are available through Cornerstone PEO?

  • A Client Service Representative
  • Workers Compensation
  • Competitive Employee Benefits
  • Monthly HR Newsletter
  • Claims Reporting and Management
  • Payroll Processing
  • HR Tools and Resources
  • Handling Employee Taxes
  • Extensive Risk Management
  • EPLI Management

What Benefit options are available through Cornerstone PEO?

  • Medical Insurance
  • Dental Insurance
  • Vision Insurance
  • Disability & Life Insurance
  • Accident Insurance
  • 401K
  • Supplemental Insurance
  • Voluntary Insurance Options

How will Cornerstone PEO help my business?

Chances are, you didn’t create your business with the intent of being bogged down with administrative duties and legal responsibilities. Hiring a PEO is the best solution to save time and alleviate these overwhelming tasks. Allowing the PEO to handle portions of your employer-related HR responsibilities provides you with the confidence that these tasks are being properly managed, giving you the ability to run your business.
In addition to providing you with more time to run your business, PEOs can help you save money as well. PEOs offer access to expert staff, which can help you steer clear of HR-related compliance issues. Due to the size of a PEO, they will acquire employee benefits plans and workers’ comp insurance at a more affordable cost than if your company were to purchase an individual plan.

What makes Cornerstone PEO unique?

At Cornerstone PEO we tailor our services specifically to each client company. When creating the agreement to work with a PEO, you will choose which services will be most beneficial to your company. Based on the size, industry, specific employee-rated needs, and any additional circumstances, the PEO will handle any or all services as desired by you. Cornerstone PEO’s most frequently
utilized services include human resources, risk management, payroll services, workers’ compensation, and employee benefits.

Have questions or need additional information?

Please fill out the following information and one of our PEO Benefit pro's will get in touch with you shortly.

257 East 200 South, STE 750
Salt Lake City, Utah  84111

1 South Main Street
Medford, New Jersey  08055

.