Health Benefits — Ermitage Risk Home Care Program
Ermitage Risk — Home Care Program

Health & Benefits
for agencies & caregivers.

Whether your agency wants to offer benefits as an employer, or your caregivers want to purchase coverage on their own — we have affordable options for every situation and budget.

🌎 Plans available nationwide — contact us for details in your state
💊 Prescription coverage 🩺 $0 Telehealth 🏥 $0 deductible options 👨‍👩‍👧 Individual & family plans 🏢 Group employer options ✅ ACA-compliant options
Six plan options

Coverage at every budget level

From entry-level telehealth access at $49.95/month to comprehensive executive-level PPO plans. All underwritten through Anthem and the Health Benefit Alliance.

Anthem®
MVP Ultra · Executive PPO
MVP Ultra Platinum-S
Executive-level traditional PPO with specialty Rx coverage. The most comprehensive plan available — no day limits, full hospital coverage.
Monthly Premium
Member only$830.10
Member + Spouse$1,295.81
Member + Child(ren)$1,282.25
Family$1,663.87
✓
No in-network deductible · $500/$1,000 OON
✓
$0 Telehealth 24/7/365 via HBAeHealth
✓
$20 PCP · $40 Specialist — in-network
✓
Traditional PPO — no day limits on hospital
✓
Maternity covered
✓
Specialty Rx — 25% coinsurance (Platinum-S)
✓
ACA Parts A & B compliant
Deductible (INN)
None
OOP Max (INN)
$2,000/$13,200
Hospital
$400 copay — unlimited days
Maternity
✓ Included
Get More Information → ✉ Email me the plan details
MVP Ultra Platinum-S · Traditional PPO (with RBP) · Satisfies ACA Parts A & B
Anthem®
MVP Ultra · HSA-Compatible HDHP
MVP Ultra HDHP
Federally-qualified HSA-compatible HDHP. After deductible, plan pays 100% for nearly all services — in-network and out.
Monthly Premium
Member only$730.15
Member + Spouse$1,179.89
Member + Child(ren)$1,182.67
Family$1,463.76
✓
HSA-compatible — pair with a tax-free health savings account
✓
$0 Telehealth 24/7/365 before deductible
✓
After deductible: plan pays 100% in-network for all services
✓
Maternity covered after deductible
✓
Chemotherapy, kidney dialysis covered after deductible
✓
ACA Parts A & B compliant
Deductible (INN)
$5,000/$10,000
OOP Max (INN)
$5,000/$10,000
After Deductible
Plan pays 100%
Maternity
✓ Included
Get More Information → ✉ Email me the plan details
MVP Ultra HDHP · HSA-Compatible · Satisfies ACA Parts A & B
Most Popular
HBA
MVP Plan · Comprehensive
MVP Gold
The most popular MVP tier — 12 PCP and specialist visits, maternity, and the lowest out-of-pocket maximum in the MVP family.
Monthly Premium
Member only$663.10
Member + Spouse$1,079.68
Member + Child(ren)$1,017.41
Family$1,363.73
✓
$0 deductible — coverage from day one
✓
$5,000/$10,000 OOP max (IND/FAM)
✓
$15 PCP copay · 12 visits/year
✓
$25 Specialist copay · 12 visits/year
✓
Maternity covered
✓
$0 Generic Rx · $0 Telehealth 24/7
✓
ACA Parts A & B compliant
Deductible
$0
OOP Max
$5,000/$10,000
PCP Visits
12 / year
Maternity
✓ Included
Get More Information → ✉ Email me the plan details
HBA Enhanced MVP Gold · Limited Day Medical℠ · Satisfies ACA Parts A & B
HBA
MVP Plan · Mid-Range
MVP Silver
Strong coverage at a lower monthly cost. 10 PCP and specialist visits with maternity included — a smart balance of benefit and premium.
Monthly Premium
Member only$555.03
Member + Spouse$882.34
Member + Child(ren)$883.29
Family$1,118.55
✓
$0 deductible — coverage from day one
✓
$5,000/$10,000 OOP max (IND/FAM)
✓
$15 PCP copay · 10 visits/year
✓
$25 Specialist copay · 10 visits/year
✓
Maternity covered
✓
$0 Generic Rx · $0 Telehealth 24/7
Deductible
$0
OOP Max
$5,000/$10,000
PCP Visits
10 / year
Maternity
✓ Included
Get More Information → ✉ Email me the plan details
HBA Enhanced MVP Silver · Limited Day Medical℠ · Satisfies ACA Parts A & B
HBA
MVP Plan · Entry Comprehensive
MVP Bronze
The most affordable MVP tier. $0 deductible with pharmacy benefits — solid foundational coverage for budget-conscious individuals.
Monthly Premium
Member only$446.44
Member + Spouse$689.02
Member + Child(ren)$653.25
Family$867.07
✓
$0 deductible — coverage from day one
✓
$7,350/$14,700 OOP max (IND/FAM)
✓
$25 PCP copay · 8 visits/year
✓
$50 Specialist copay · 8 visits/year
✓
$0 Generic Rx · $0 Telehealth 24/7
✗
Maternity not included
Deductible
$0
OOP Max
$7,350/$14,700
PCP Visits
8 / year
Maternity
Not included
Get More Information → ✉ Email me the plan details
HBA Enhanced MVP Bronze · Limited Day Medical℠ · Satisfies ACA Parts A & B
HBA
Telehealth Membership · Entry Access
Health Access
Affordable telehealth membership ideal for part-time caregivers, gig workers, and anyone needing basic access to care at a minimal monthly cost.
Monthly Premium
Member only$49.95
Member + Family$69.95
✓
$0 Virtual Primary Care — 24/7 board-certified doctors
✓
$0 Mental Health Therapy — short-term teletherapy
✓
$0 Generic Prescription Drugs — acute, chronic & refills
✓
$0 Coordinated Urgent Care visits
✓
Dental, vision & hearing discounts included
✓
Portable — not tied to any employer
Telehealth
$0 copay
Generic Rx
$0 copay
Monthly from
$49.95
Family rate
$69.95
Get More Information → ✉ Email me the plan details
⚠ Health Access is a membership program, not insurance. Does not satisfy ACA minimum essential coverage requirements.
At a glance

Plan comparison

All six plans side-by-side — from most affordable to most comprehensive.

PlanCarrierMember/moDeductibleOOP MaxPCP CopayTelehealthMaternityPharmacy
Health AccessHBA$49.95NoneNone$0 (virtual)$0—$0 generic
MVP BronzeHBA / Anthem$446.44$0$7,350$25$0—✓
MVP SilverHBA / Anthem$555.03$0$5,000$15$0✓✓
MVP Gold ⭐HBA / Anthem$663.10$0$5,000$15$0✓✓
MVP Ultra HDHPAnthem$730.15$5,000$5,000After deductible$0✓✓
MVP Ultra Platinum-SAnthem$830.10None (INN)$2,000$20$0✓✓ + Specialty

All plans available nationwide. Pricing shown for individual member. Contact us for group rates and state-specific availability.

Who these plans serve

Two ways to access coverage

Whether you're an agency owner offering benefits to your staff, or a caregiver purchasing on your own — we have a plan for your situation.

🏢
Home Care Agencies
Offer health benefits to your employees — whether you contribute to the premium or offer it as a voluntary payroll-deduction option. Group rates available. No minimum employer contribution required on the Health Access plan. All plans available nationwide.
Recommended for employer groups:
MVP Gold MVP Silver MVP Bronze MVP Ultra HDHP MVP Ultra Platinum-S
👩‍⚕️
Individual Caregivers
If your agency doesn't offer health benefits, or you work part-time across multiple agencies, you can purchase coverage directly as an individual. Coverage is portable — it stays with you even if you change employers. Available nationwide.
Recommended for individuals:
Health Access — $49.95/mo MVP Bronze — $446.44/mo MVP Silver — $555.03/mo
Our carrier partners

Backed by trusted names in healthcare

We work with leading carriers to bring you the right coverage at competitive rates.

THE HEALTH BENEFIT ALLIANCE
Health Benefit Alliance
Anthem
Anthem
Aetna
Aetna
UnitedHealthcare
UnitedHealthcare
Zurich
Zurich
Ready to learn more?
Contact us to discuss which plan fits your agency or your caregivers. We'll walk through the options and help you find the right coverage.
Email Us 970-725-6683 ← Back to Agency Coverage

Health benefit plans are offered through partnerships with licensed health benefit providers including the Health Benefit Alliance and Anthem. MVP plans satisfy ACA Parts A and B. Health Access is a membership program and not insurance. Plan availability, benefits, and pricing are subject to change. Not all plans available in all states — contact us for availability in your state. Ermitage Risk LLC acts as a licensed insurance agency in connection with these products. This page is for informational purposes only and does not constitute a binding offer of insurance or health benefits. Aetna, UnitedHealthcare, and Zurich are listed as carrier partners for other lines of coverage.

© 2026 Ermitage Risk LLC. All rights reserved.