Association Health Plans for NKBA Members
Health coverage for you, your family, and your firm
Before you renew, see how your current coverage compares. HG Benefits works with NKBA members to review monthly costs, benefits, and access to doctors and hospitals. Explore four Association health plan options and get help choosing the one that fits your needs.
Schedule a Benefits Review
Four Association health plan options
EPO 3500
$699.95 per month for member-only coverage
A balance of monthly cost and office-visit copays: $40 for primary care, $60 for specialists, and $75 for urgent care. The integrated gap benefit may reduce eligible in-network member exposure to $3,500 individual / $7,000 family, subject to plan terms. Non-emergency care generally requires an in-network provider.
EPO 1500
$799 per month for member-only coverage
An EPO option with a lower stated in-network out-of-pocket limit of $1,500 individual / $3,000 family, reflecting the integrated gap benefit and subject to its terms. Includes $40 primary-care, $60 specialist, and $75 urgent-care copays. Non-emergency care generally requires an in-network provider.
PPO
$949 per month for member-only coverage
A $0 in-network deductible, $25 primary-care visits, $50 specialist visits, and $50 urgent-care visits. Covered in-network diagnostic tests and advanced imaging are listed at no charge, subject to plan requirements. Out-of-network benefits are available with higher member costs.
HSA
$499 per month for member-only coverage
The lowest monthly premium of these four options. Eligible members can pair coverage with a Health Savings Account for qualified medical expenses. The in-network deductible is $6,000 individual / $12,000 family, with an in-network out-of-pocket maximum of $7,000 / $14,000. Covered in-network preventive care is provided at no charge.
Monthly coverage rates
| Plan |
Member only |
Member + spouse |
Member + children |
Family |
| EPO 3500 | $699.95 | $1,549.95 | $1,449.95 | $2,149.95 |
| EPO 1500 | $799 | $1,649 | $1,549 | $2,250 |
| PPO | $949 | $1,799 | $1,699 | $2,299 |
| HSA | $499 | $999 | $949 | $1,599 |
Rates shown are monthly brochure rates. Final rates, availability, and eligibility are confirmed during your review.
Check your doctors and hospitals
These Association plans use the Cigna PPO, Choice Fund PPO provider network. Search for your doctors and hospitals, then confirm participation in the exact network before enrolling. EPO plans generally do not cover non-emergency out-of-network care; PPO and HSA out-of-network benefits have separate costs and limitations.
Search the Cigna Provider Network
Benefits for your law firm
Firms considering employee coverage with at least five employees enrolling can ask HG Benefits about guaranteed-issue group options, subject to eligibility and participation requirements. We can review the firm's contribution, employee costs, and available plan choices.
New weight management offering
NKBA is introducing New Edge Health, a separate weight management program combining prescription medication, monthly physician telehealth visits, and personalized coaching from an AHDI Healthcare Nurse Navigator Coach.
- Semaglutide program from $249 per month
- Tirzepatide program from $420 per month
Your program includes monthly medical visits, monthly nurse coaching, and medication delivered to your home when prescribed. The coaching provides guidance and accountability as you work toward your health goals.
Medical eligibility and a prescription are required. Starting prices may vary with your customized treatment plan, prescription regimen, and state availability. This program is separate from the Association health plans.
Schedule a Meeting About the GLP-1 Program
Find the right option for you
Bring your current plan information and the names of your doctors and hospitals. Jeremy Hardin and Bryon Grove will help you compare premiums, understand what you could pay when you need care, and review the requirements for coverage. You can also ask about the new weight management offering.
Book My Benefits Review
Contact HG Benefits
Jeremy Hardin
(859) 240-9461
jhardin@hardinsgrove.com
Bryon Grove
(513) 374-8077
bgrove@hardinsgrove.com
Coverage is subject to eligibility, any applicable underwriting, and plan terms. EPO cost figures reflect the integrated gap benefit; only eligible expenses are offset. Copayments and excluded charges may remain payable. Premiums, non-covered care, balance billing, and certain penalties are outside the stated cost limits. Review the full plan documents for details.