Get More Out of Your ICHRA with an Antidote Plan
Individual Coverage Health Reimbursement Arrangement (ICHRA) can be a smart choice for employers and employees. Discover how ICHRA paired with Antidote Health's virtual-first health plans creates an affordable, flexible healthcare solution that can benefit everyone.
Why Choose Antidote Health for Your ICHRA?
We know the struggles of navigating traditional healthcare. Waiting rooms, inconvenient appointment times, and costly bills. That’s why we’ve reimagined care to put you in control. Here’s what makes $0 virtual care with Antidote Health unique:
$0 Virtual Care* Day or Night
Easily connect with licensed clinicians virtually with many appointments available in 60 minutes.**
$0 Doctor Visits****
See a large network of in-person providers, with $0 copays for Tier-1 Primary Care Providers (PCPs).
Free Visit Before the Plan Starts***
Members enjoy one no-cost virtual care appointment before their plan starts. No current coverage required.
Discounted Copays^
When you see an Antidote virtual provider first and they refer you to a specialist or urgent care, you may pay $0 or a discounted copay.
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets employers reimburse employees tax-free for individual health insurance premiums and qualified medical expenses.
Employers set aside a monthly allowance for each eligible employee and then employees use this allowance to buy individual health insurance plans or pay for qualified medical expenses.
ICHRAs differ from traditional group plans. They offer employers predictable costs. Employees enjoy the freedom to choose plans that suit their needs best. The health plans that qualify as ICHRAs are individual health insurance plans available through the Affordable Care Act or Medicare.
ICHRA Health Insurance Options with Antidote Health
Bronze Plan
Low premiums designed for those who need basic coverage.
Silver Plan
A balanced choice for budget-friendly premiums and out-of-pocket costs.
Gold Plan
Comprehensive coverage with higher premiums but lower out-of-pocket costs.
Health Plan Comparison
Compare costs and coverage to find the best fit
Health Plan
A
employee cost
$25
$90 after deductible
$3
Health Plan
B
employee cost
No charge after deductible
No charge after deductible
No charge after deductible
Antidote Health + ICHRA
employee cost
$0 (for 4 visits)
$100 or $40 when referred by Antidote virtual provider
$35 or $0 if on $0 Drug List and prescribed by Antidote virtual provider
Comparison information does not include all plan benefits. Plans may include exclusions or benefit limits that differ. Plan information was gathered from Healthcare.gov on 11/5/24. Pricing is based on a 40-year-old non-smoker male in zip code 43226.
When Can You Enroll in Your ICHRA Health Plan
Individuals can enroll in an Individual Coverage Health Reimbursement Arrangement (ICHRA) plan during the following times:
Open Enrollment Period (OEP):
This is the annual window when individuals can purchase health insurance plans on the marketplace, typically from November to mid-December (dates may vary by state).
Special Enrollment Period (SEP):
Individuals can enroll outside the Open Enrollment Period if they experience a qualifying life event, such as an employer introducing an ICHRA. Employees have a 60-day window to enroll in an individual health insurance plan through a marketplace or directly with an insurer.
Top Myths About Switching to an ICHRA, and the Truth Behind Them
Switching to an Individual Coverage Health Reimbursement Arrangement (ICHRA) can feel daunting. There are many misconceptions. Let us clear up the confusion so you can feel confident in your health plan choices.
ICHRA will cost me more money.
Your free visit connects you with a licensed Virtual Primary Care Provider (PCP) who will understand your health needs and answer your questions.
I won’t get good health coverage.
The health insurance plans you can buy with ICHRA often have the same benefits as traditional plans offered by employers. These plans cover important things like doctor visits, prescription medicine, and hospital stays. Plus, you get the option to pick a plan that best fits your needs, which means more control over your healthcare.
It’s too hard to sign up for a health plan on my own.
Signing up for a plan is easier than you might think! Employers set up ICHRA to work as smoothly as possible. They often provide tools, resources, and help from experts to make things simple for you. Once you pick your plan, the ongoing process is easy to manage. We can guide you through the process so it doesn't feel overwhelming. You can even sign up directly through Antidote.
ICHRA means I lose my employer’s health benefits.
Your employer is still helping you with your health costs! The only difference is that, with ICHRA, the money they give you goes toward the health insurance plan you choose. You’re not stuck with one-size-fits-all coverage anymore, and you’re still getting financial support.
ICHRA helps my company more than it helps me.
ICHRA is actually a win for both you and your employer. You get the freedom to pick a plan that fits your life, instead of being stuck with a plan that doesn’t work for you. Employers like it because it helps them manage health benefits better. Everyone benefits.
If I don’t use all my ICHRA money, it goes to waste.
ICHRA funds are only for health expenses, like premiums or doctor visits. If you don’t spend everything, the leftover money stays with your employer, but that’s normal. It’s all about making sure the money is used wisely for medical needs.
Get Started with Antidote Health and ICHRA Today
Have more questions? Reach out for help, and we’ll make sure you understand how to get the most out of your ICHRA!
* $0 virtual care benefit applies only to virtual visits with an Antidote Health clinician for Complete and Elite plans. Antidote's clinicians are available in select states. If you are traveling outside your plan's service area and have not previously established care, please contact Member Services to confirm virtual care availability. Prescriptions, visits, and services may be limited at the clinician's discretion in accordance with state law or under plan terms.
** Appointments in 60 minutes are typical but not guaranteed. Actual wait times may vary.
*** Offer valid for one telehealth visit with an Antidote Health clinician before coverage begins, provide the binder payment has been made. Non-transferable and has no cash value. Must be redeemed before 11:59 PM local time the day before coverage starts. Cannot be combined with other offers. Antidote reserves the right to modify or cancel the offer.
**** $0 copay applies to primary care provider (PCP) visits, regardless of Tier designation, when referred by an Antidote Health clinician. Without a referral, the standard PCP copay applies. Referrals may be limited when the requested service can be provided directly by an Antidote clinician or when a referral is not considered medically necessary. Members may choose to self-refer; however, doing so will result in the Tier-1 or Tier-2 copay applying. See plan details for more information.
^ $0 copay applies to Tier-1 primary care provider (PCP) visits, up to 4 visits/plan year. When referred by an Antidote Health clinician, PCP visits are $0 regardless of Tier designation. Without a referral, the standard PCP copay applies. Referrals may be limited when the requested service can be provided directly by an Antidote clinician or when a referral is not considered medically necessary. Members may choose to self-refer; however, doing so will result in the Tier-1 or Tier-2 copay applying. Specialist referrals are discounted based on Tier designation. See plan details for more information.
