Dual Option meets the growing demand for an affordable alternative.  It includes benefit designs that offer comprehensive coverage and maximum flexibility, with more premium amounts to help lower employer costs and provide health care alternatives for employees who want enhanced coverage.

Maximum flexibility for small businesses

Dual Option includes a base offering that lets the employee “buy up” for more comprehensive benefits at enrollment.  Employees can choose one of the two plans in an offered package, and pay for upgraded coverage through various deductible and coinsurance choices, with a higher level of benefits and lower out-of-pocket costs.