Skip Navigation

Individual Business Plan – HMO

For the health of your company

As an individual business owner, you face many challenges, but finding health care coverage shouldn’t be one of them. HMSA’s Individual Business Plan - HMO (IBP-HMO) strikes the right balance between the coverage you need and a cost you can afford.

The right choice for you

HMSA’s Individual Business Plan - HMO (IBP-HMO) offers comprehensive coverage for:

  • Medical services.
  • Prescription drugs.
  • Vision services.
  • Dental care.

Staying healthy

Maintaining your good health means more time to grow your business. To help you prevent illness and injury, your personal care provider (PCP) will coordinate all your health care needs.

Oral Health for Total Health

HMSA has a four-tiered approach to help at-risk members get proper dental care. With Oral Health for Total Health, integrated medical and dental claims information allows us to:

  • Identify at-risk members who would benefit from our oral health program through medical claims data and member self-enrollment.
  • Educate our members who have coronary artery disease, diabetes, or oral cancer, as well as pregnant women, about the benefits of good oral health.
  • Engage in targeted intervention for select members who are not maintaining their oral health.
  • Remove financial barriers through Enhanced Dental Benefits, a program that provides at-risk members with condition-specific services beyond their regular dental benefits.
    • No copayment for in-network providers.
    • No deductible.
    • Covered outside the annual maximum.

Enhanced Dental Benefits
On January 1, 2013, Enhanced Dental Benefits will be added to the Oral Health for Total Health program. Enhanced Dental Benefits will provide additional support for HMSA members who have specific medical conditions at no charge with no deductible or coinsurance for in-network services when they visit an HMSA participating provider.

If you have been diagnosed with diabetes or coronary artery disease, you are automatically enrolled for Enhanced Dental Benefits. If you are pregnant or diagnosed with oral cancer, you are eligible for these benefits as well, but you will need to enroll for Enhanced Dental Benefits. For detailed information on your benefits under Oral Health for Total Health and Enhanced Dental Benefits, simply log on to My Account at hmsa.com and click Benefits on the Welcome page, then click the View Dental Benefits button. On My Dental Coverage page, click the Oral Health for Total Health link at the bottom.

Your mouth is the gateway to a healthier you. Keep your teeth and gums healthy for overall better health.

Affordable, quality care

Under this plan, you’ll receive benefits and ongoing programs to ensure quality care and services, including:

  • First office visit coverage.
  • Low office visit copayments.
  • Preventive care services at no extra cost.
  • Annual physical exams and well-baby care for your child.

Financial protection

This plan is designed to give you the best HMO coverage at the lowest cost. You’ll get:

  • No annual deductible.
  • 100 percent coverage for preventive dental services, including examinations, cleanings, and X-rays.
  • A $15,000 group-term life and accidental death and dismemberment benefits policy for plan members.

Coverage away from home

As a self-employed individual, you may do a lot of traveling. While away on business, the last thing you want to think about is your medical coverage. As an IBP-HMO member, whether you are on the Mainland, Neighbor Islands, or traveling worldwide, you’ll receive all the benefits of the Blue Cross and Blue Shield network of providers.