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Frequently Asked Questions

  • When can I apply for a health plan?
    In general, you can only change or apply for health care coverage during the yearly open enrollment period (OEP).
  • What key terms do I need to know?
    Health care is full of industry-speak. Without knowing the basics, it's hard to understand how things work. Look up the key terms you need to know as you navigate the world of health care.
  • What are our operating hours?
    Monday to Friday, 7AM to 5PM
  • What do I need to consider when choosing a health plan?
    Health insurance works by helping you pay for medical care and services, so you don't have to pay all your health care costs on your own. The best health plan for you is one that meets your health care needs, budget, and expectations. But it can be tough to know what to look for - and what to avoid. Before you decide on a plan, you'll need to think about: Your health and how often you need care How much coverage you need How much money you're willing to spend How different health plans work What each plan offers beyond the basics Understanding your total health care costs is key to getting the most out of your plan and avoiding potentially expensive surprises.
  • Can I upgrade my plan at any time?
    Absolutely! There is no wait time to upgrade your health plan. You can call us at 915.803.4198 or email us at, and we will be more than happy to assist you.
  • Does Five Points provide doctors and services near me?
    Getting you connected with a doctor who suits your individual needs is our top priority. We know how important it is to find a doctor who's right for you. When you have a doctor you connect with, it's easier to stay healthy. To choose or change doctors at any time, for any reason, browse our online profiles by region. Find top-notch doctors, specialists, and pharmacies near you.
  • Do you offer dental and vision?
    Yes, you can get dental and vision plans through Five Points. We give you access to ... for dental, and ... for vision.
  • How do you enroll?
    Please contact our office at 915.803.4198 and one of our agents will assist you with enrollment
  • What benefits do you receive?
    Coming soon
  • What is your "Provider Network"?
    First Health Network PPO with over 1 million providers nationwide
  • Who can become a Five Points Health Benefit member?
    Coming Soon
  • We can't switch until the end of our plan year, right?
    Coming Soon
  • Do all of my employees need to be in one of the listed states?
    Employees can be located anywhere in the U.S., there are no state restrictions on using your Five Points Health Benefit plan.
  • How many employees do you need to be a "company"?
    Two is the minimum to be a "company"
  • How can I check if my doctor is in-network?
    Use Five Points' First Health Provider Search tool to search our network of partners including a variety of modern and accessible providers who are available for everything from telehealth to complex procedures - all at little or no cost to you. Preferred provider not in our network? We got you. We're happy to set up billing with any provider and never charge out-of-network fees.
  • How does Five Points save me money?
    Five Points negotiates pricing with providers according to objective, industry-accepted metrics. By reducing provider markups, premiums become more manageable. Five Points also provides level-funded plans, which allow you to receive a credit or refund if you do not spend what was budgeted in your premiums. Small businesses can deduct the cost of employee premiums from their federal tax filings. Depending on your situation, additional tax credits may be available.
  • What are the types of Individual and Family plans Five Points Benefit Plans offers?
    We offer a variety of plans to help fit your needs and budget. All of them offer the same quality care, but the way they split the costs is different. Not all of these plans are available in all states. Copay plans: Copay plans are the simplest. There is no deductible and you pay for care according to an easy-to-follow copay or coinsurance schedule. Your monthly premium is higher, but you'll pay much less when you get care. Deductible plans: With a deductible plan, your monthly premium is lower, but you'll need to pay the full charges for most covered services until you reach a set amount known as your deductible. Then you'll start paying less - a copay or coinsurance. Depending on your plan, some services, like office visits or prescriptions, may be available at a copay or coinsurance before you reach your deductible. Virtual plans: Virtual plans are a type of deductible plan that have lower costs for preventive and primary care when the visits are via telehealth (virtual visits) versus in-person visits. With a Virtual plan, you have several ways to access high-quality care - for many health conditions - that's both affordable and convenient. You'll get to choose how you get care, by taking full advantage of your many no-cost virtual care options - while having access to in-person primary care whenever you need it. HSA qualified plans: HSA-qualified deductible plans are deductible plans with a special feature. With this plan, you can set up a health savings account (HSA) to pay for health costs like copays, coinsurance, and deductible payments. And you won't pay Federal income taxes on the money in this account. You can use your HSA anytime to pay for care, including some services that may not be covered by your plan, such as eyeglasses or adult dental. And if you have money left in your HSA at the end of the year, it will roll over for you to use the next year. Catastrophic plans: These plans are available in some markets for people under age 30, and those over 30 with a hardship exemption. They have very high deductibles and low monthly premiums, and cover limited preventive benefits before the deductible. They might be a reasonable strategy to safeguard yourself against the worst-case events, such as becoming very ill or hurt. However, until the plan's yearly deductible is met, you are responsible for paying for most medical costs.
  • What do metal tiers on Individual and Family plans mean?
    Individual and Family plans are organized into 4 coverage levels - also called metal tiers - getting to know them will help you understand what you are responsible for paying and which plan will best fit your health care needs. It is important to understand that the metal tiers only reflect the difference in cost sharing, not the types of care we provide. You receive the same high quality Five Points care in all of our plans. 60/40 Silver 60/40 Gold 60/40 Platinum 60/40 Family 80/20 Silver 80/20 Gold 80/20 Platinum
  • Can I purchase individual and family health plans at a lower cost?
    Healthcare costs can be overwhelming for many individuals and families. The Affordable Care Act (ACA) makes it easier for individuals to compare a variety of health insurance plans and select the one that best suits their needs and budget. The ACA also provides financial assistance (sometimes referred to as subsidies) to qualified individuals based on income. For general income guidelines and to see if you qualify for federal or state financial help, start a quote. You can also compare plans, calculate your rate, and apply for health plans. Learn about Individual and family health plan affordability.
  • When can I enroll?
    Open enrollment 365 days a year
  • Do you have to be a college student?
    No, you may be a student first grade and up
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