Your built-in support system for feeling better and staying healthy, with free resources and tools from WebMD to help you build healthier habits that last.
Copay Plans
These plans offer predictable costs for common healthcare services. You’ll typically pay:
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A set copay for things like office visits and prescriptions
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A separate deductible and coinsurance for larger expenses like hospital care or imaging
Traditional plans are a good fit if you prefer knowing your costs up front when you go to the doctor or pick up a prescription.
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Monthly Premiums: Higher
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Upfront Costs: Copays for doctor visits and prescriptions
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Budget Predictability: More predictable
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Healthcare Usage: Frequent doctor visits, chronic conditions
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HSA Eligibility: Not eligible
High Deductible Health Plans (HDHPs)
HDHPs have a higher deductible that you pay before the plan starts covering services. However, they usually come with:
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Lower monthly premiums
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The option to pair with a Health Savings Account (HSA) if the plan is HSA-qualified
HDHPs can be a great option if you want to lower your monthly costs, are generally healthy, or want to save for future medical expenses.
HSA-qualified HDHPs are marked with a “Q” in front of the plan name. These allow you to save pre-tax dollars in an HSA to pay for eligible healthcare expenses.
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Monthly Premiums: Lower
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Upfront Costs: You pay full cost until deductible is met
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Budget Predictability: Less predictible but potential for long-term savings
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Healthcare Usage: Infrequent visits, low ongoing care
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HSA Eligibility: Only HSA-qualified plans (QHDHP) qualify
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Utah
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Arizona
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Texas
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Georgia
Utah: Care Plus Network
In Utah, EMI Health's Care Plus Network offers comprehensive coverage through:
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Intermountain Healthcare (IHC): A trusted, nonprofit health system with a significant presence in Utah, including 33 hospitals and over 385 clinics and outpatient centers.
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Expanded Provider Access: EMI Health contracts with additional hospitals, specialty clinics, and provider groups, bringing the total number of in-state providers to over 30,000.
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Out-of-State Coverage: For services outside Utah, your plan may utilize either the Aetna National PPO or the Cigna PPO network, providing nationwide access to quality care
Need to find a provider near you?
Use the tools below to see who’s in-network and where to go for care across the state:
Arizona: How Your Network Works In and Out of State
If you're enrolled in an EMI Health medical plan in Arizona, your network gives you access to care both locally and across the country. While each network functions a little differently, all are designed to connect you with high-quality providers whether you’re at home, traveling, or living part-time in another state.
Utah is the only exception, where EMI Health uses its own Care Plus Network to ensure members receive the same level of access and cost control.
Your plan materials will tell you which network you're on—read on to learn more about each option and search for providers in your network.
Cigna PPO
Offers a vast network of over 1.5 million healthcare professionals, ensuring broad access to care.
Aetna PPO
Known for its extensive provider network and high customer satisfaction ratings.
Blue Cross Blue Shield of Arizona™ + First Health
When you're in Arizona, your EMI Health plan connects you to the Blue Cross Blue Shield of Arizona™ network—one of the most trusted, high-quality networks in the state. When you travel or live part-time outside Arizona (except in Utah), you’re covered by the First Health nationwide network.
In Arizona: Blue Cross Blue Shield of Arizona™
You have access to a powerful network built for Arizonans.
- Includes top-rated hospitals and specialists across the state
- Features major health systems like Mayo Clinic, HonorHealth, and Dignity Health
- Designed for seamless access to routine, specialty, and urgent care near home
Whether you need a primary care doctor in Phoenix or a specialist in Flagstaff, you’re backed by a deep network of over 20,000 providers statewide focused on quality and service.
Search for Blue Cross Blue Shield of Arizona Providers: Click Here
Outside Arizona: First Health Network
Traveling for work, school, or vacation? You're still covered.
- Access to 1 million+ providers and 5,000+ hospitals across all 50 states
- In-network options for urgent care, specialists, mental health, and more
- Contracted rates help you avoid surprise bills and reduce out-of-pocket costs
Search for First Health Network Providers (Choose State to search): Click Here
Integrated Medical Services (IMS)
Arizona’s largest independent multi-specialty provider group, offering comprehensive, coordinated care across various specialties.
Texas: Aetna or Cigna PPO
In Texas, EMI Health partners with two well-established national networks—Aetna and Cigna—to ensure broad, dependable access to care across the state.
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Aetna PPO: Recognized for its large, well-coordinated provider network, Aetna offers strong access to primary care, specialists, and hospitals, with a reputation for responsive customer support and a seamless member experience.
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Cigna PPO: Cigna brings a robust network of healthcare professionals and facilities, with a strong focus on preventive care, care coordination, and tools that help members stay healthy and informed.
No matter which network your plan uses, you can count on access to high-quality care throughout Texas and beyond.
Georgia: Trusted Coverage Through Aetna or Cigna PPO
EMI Health members in Georgia are covered through either the Aetna PPO or Cigna PPO network—two nationally recognized carriers known for quality care and broad access.
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Aetna PPO: Aetna is known for its reliable network of doctors, hospitals, and specialists throughout Georgia. Members benefit from a strong emphasis on preventive care and tools to manage their health with confidence.
Search for Georgia Aetna PPO Providers -
Cigna PPO: With a wide-reaching network and a strong presence in both urban and rural parts of Georgia, Cigna focuses on whole-person care, making it easier to stay on top of both routine and specialized health needs.
Whether you're in Atlanta or a smaller community, these networks ensure access to high-quality providers across the state—and throughout the U.S.
Retail Pharmacies
Express Scripts® gives members access to a nationwide network of nearly 64,000 retail pharmacies — including more than 20,000 independent pharmacies — making it easy to fill prescriptions close to home, work, or while traveling. Members can choose from trusted national chains, regional pharmacies, grocery store pharmacies, and local independent providers.
Including large national chains such as:
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And many others!
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Convenient prescription transfers and refills
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Easy pharmacy search tools through the mobile app and website
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In-network options available across all 50 states
Home Delivery Pharmacy
Express Scripts® Pharmacy makes it easy to receive long-term medications delivered directly to your door. Members can order up to a 90-day supply of eligible maintenance medications, enjoy free standard shipping, and manage prescriptions online or through the mobile app.
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24/7 access to pharmacists and care advocates
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Convenient refill reminders & order tracking
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Secure, weather-resistant packaging for added peace of mind.
TELEHEALTH
$0 Copay
TeleMed is perfect for minor aches and ailments.
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allergies
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asthma
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cold or flu
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Ear Ache
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Rash
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Sore Throat
OFFICE VISIT
$$
Visit your in-network provider for non-life-threatening conditions.
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preventive care
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routine care
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sprains
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minor cuts or burns
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back pain
URGENT CARE*
$$$
Urgent Care facilities offer the convenience of extended hours and lower costs for many non-life-threatening emergencies.
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stitches
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x-rays
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broken bones
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labs
EMERGENCY ROOM**
$$$
Visit the Emergency Room for serious and/or life-threatening conditions.
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trouble breathing
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signs of stroke
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severe chest pain
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deep wound
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head or spine injury
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