Five Points Health Benefit Plans is committed to offering robust health plan coverage to our members and their families. Our plans provide a more comprehensive set of benefits, at a better price, than comparable coverage through major medical. Our plans are competitively priced and provide a rich mix of benefits relative to the needs of our members.

Five Points conducts annual reviews of plan benefits, medical and prescription claims, and utilization of services. This detailed analysis provides information on how to best align the plan’s benefits with the needs of our member population.

External factors in the healthcare market, such as varying prescription drug pricing and shifting physician and hospital reimbursement rates, continue to impact both commercial health insurance and individual health plans. As a result, the premiums reflect a thoughtful analysis of the plan benefits, the increase in medical and prescription drug costs, and the benefit utilization by members and their dependents. Premium adjustments are made on the basis of actual plan costs from previous years.