Hooray Health | Express Employment Professionals

Welcome to
Hooray Health!

Express Employment Professionals partnered with Hooray Health to offer Employees affordable, convenient care – where and when they need it.

The Hooray Health Elite Plan provides coverage for everyday illness and accidents. You can add the Minimum Essential Coverage (MEC) plan to include preventative and wellness services. The Hooray Health plan is a significantly less expensive alternative to the comprehensive coverage and high deductible plans.

The Minimum Value Plans (MVP) cover catastrophic care, surgery, disease management, pregnancy and more.

Supplemental Plan options include Dental, Vision, Life and Short-Term Disability.

To speak with a Benefits Advisor, please call 844-882-7529 or send us a message in the Contact Us tab.

You can enroll in benefits from December 5th until December 23rd!

Days
Hours
Minutes

UNTIL ENROLLMENT ENDS — ENROLL TODAY!

Why Hooray Health?

Reliable healthcare doesn’t have to break the bank. With Hooray, you get the care you need—when you need it!
  • $25 Copay for any Hooray Health Network Retail Clinic and Urgent Care Center (services like Labs and X-rays included)
  • The Hooray Health network includes national brands you know and trust such as PrimaCare, Concentra, CVS Minute Clinic, Walmart, etc.
  • No surprise medical bills following your visit*
  • No deductibles to meet
  • No claims to file
  • Accident coverage of $2,000
  • $0 telemedicine and  consults 24/7/365
  • Easy-to-use mobile app
  • Hooray Health Network night and weekend facilities available

Watch our quick intro video to learn more! Watch in Spanish

Watch our quick video on how to use Hooray Health!  Watch in Spanish

As the costs of medical services continue to soar—
can you afford NOT to have coverage?

Express Employment Professionals has partnered with Hooray Health to provide you with access to affordable, quality healthcare that also protects you from excessive out-of-pocket expenses if you get sick or injured. For as little as $19.73 per week, you can rest assured knowing  you have coverage for accidents and everyday illnesses should the unexpected occur.

If you miss your chance to enroll during Open Enrollment,  you won’t have another opportunity until this time next year. After Open Enrollment ends, only employees that are new hires, had an employment status change or had a qualifying life event may enroll.

To speak with a Benefits Advisor, please call 844-882-7529 or send us a message in the Contact Us tab.

Hooray Health Plan Options

Your Hooray Health medical plan can cover you, your spouse, your kids, or your entire family.
Choose from three simple-to-understand plan options:

HOORAY HEALTH

ADVANTAGE
ELITE 2000

$19.73 / week

Highlights
  • $25 Copay Visits at Hooray Health Network Retail Clinic and Urgent Care Centers with No Balance Billing*
  • $0 Telemedicine consults 24/7
  • $0 Cost Virtual Primary Care
  • Outpatient Physician Office Visits
  • Diagnostic X-ray and Lab Coverage
  • In-Hospital Benefit
  • ICU Indemnity Benefit
  • Accident Coverage of $2,000
  • Accidental Death
Modal Title

Hooray Health Advantage Elite 2000 Plan Details

INSURANCE BENEFITS
  • Outpatient Sickness & Accident Benefit ($2,000 Annual Maximum)
    • Urgent Care Office Visits; Plan Pays $175 per day
    • Outpatient Physician Office Visits; Plan Pays $100 per day
    • Telemedicine Visit Benefit ($0 consult fee and unlimited visits with MyTelemedicine); Plan Pays $5 per day
    • Physical, Speech, and Occupational Therapy; Plan Pays $50 per day
    • Outpatient Surgery; Plan Pays $500 per day
    • Anesthesia Benefit; Plan Pays $200 per day
  • Imaging & Laboratory Test
    • Diagnostic Laboratory Indemnity Benefit; Plan Pays $75
    • Diagnostic X-Ray Indemnity Benefit; Plan Pays $75
  • Inpatient Sickness & Accident Benefits 
    • Hospital Admission Benefit; Plan Pays $250 per day
    • In-Hospital Indemnity Benefit; Plan Pays $300 per day
    • ICU Indemnity Benefit; Plan Pays $400 per day
    • Skilled Nursing Facility Benefit; Plan Pays $100 per day
    • In-Hospital Surgery Benefit (Maternity Included); Plan Pays $2,000 per day
    • Anesthesia Benefit; Plan Pays $400 per day
    • Annual Inpatient Maximum; No Limit
  • Accident Benefit (Inpatient and Outpatient)
    • Accidental Death & Loss of Use; $20,000 / $20,000 / $5,000
    • Accident Medical Expense Benefit; $2,000 annual max, $0 deductible
  • Virtual Primary Care
    • $0 Cost Virtual Primary Care Provider and Virtual Urgent Care Access; Unlimited

EMPLOYEE WEEKLY RATES

Employee Only

$19.73

/ week

Employee + Spouse

$38.02

/ week

Employee + Child

$38.02

/ week

Family

$54.55

/ week

(1)The services described are not insurance and are not provided by Zurich American Insurance Company.
* There is a $25 copay only for sickness visits performed at a Hooray Health’s in-network provider. Copay does not apply to wellness benefit.
**First Health Network contracted providers can be found at hoorayhealthcare.com/FHN. Discounted rates will be applied after services are rendered at physician’s office through the Third Party
Administrator. Member will be responsible for any payment balance above the plan payment of $175. Please see plan policy for details.
***Out-of-Network provider visits are paid $175 per the plan policy. Member will be responsible for any payment balance above the plan payment of $175. Please see plan policy for details.
There is a 10 month pregnancy limitation period.
Enrollment Ages for the standard Advantage plan is age range 18-85. For association business for the Advantage plan, the age range is 18-64
The Insurance benefits described above are underwritten by Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373. This document provides a general description of certain provisions and features of this insurance program and does not revise or amend the applicable policies. In the event of a discrepancy between this document and your certificate of insurance or the group policy, the terms of the group policy shall apply. All benefits are subject to the terms and conditions of the group policy. Please refer to your Certificate of Insurance for a detailed description of the insurance coverage, including the exclusions, limitations, reductions and termination.
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law. This insurance provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative, it is intended to help supplement Comprehensive coverage. This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

HOORAY HEALTH

ADVANTAGE ELITE 2000 + MEC

$27.58 / week

Highlights
  • $25 Copay Visits at Hooray Health Network Retail Clinic and Urgent Care Centers with No Balance Billing*
  • $0 Telemedicine consults 24/7
  • $0 Cost Virtual Primary Care
  • Outpatient Physician Office Visits
  • Diagnostic X-ray and Lab Coverage
  • In-Hospital Benefit
  • ICU Indemnity Benefit
  • Accident Coverage of $2,000
  • Accidental Death
  • Minimum Essential Coverage (MEC)
Modal Title

Hooray Health Advantage Elite 2000 + MEC Plan Details

INSURANCE BENEFITS
  • Outpatient Sickness & Accident Benefit ($2,000 Annual Maximum)
    • Urgent Care Office Visits; Plan Pays $175 per day
    • Outpatient Physician Office Visits; Plan Pays $100 per day
    • Telemedicine Visit Benefit ($0 consult fee and unlimited visits with MyTelemedicine); Plan Pays $5 per day
    • Physical, Speech, and Occupational Therapy; Plan Pays $50 per day
    • Outpatient Surgery; Plan Pays $500 per day
    • Anesthesia Benefit; Plan Pays $200 per day
  • Imaging & Laboratory Test
    • Diagnostic Laboratory Indemnity Benefit; Plan Pays $75
    • Diagnostic X-Ray Indemnity Benefit; Plan Pays $75
  • Inpatient Sickness & Accident Benefits 
    • Hospital Admission Benefit; Plan Pays $250 per day
    • In-Hospital Indemnity Benefit; Plan Pays $300 per day
    • ICU Indemnity Benefit; Plan Pays $400 per day
    • Skilled Nursing Facility Benefit; Plan Pays $100 per day
    • In-Hospital Surgery Benefit (Maternity Included); Plan Pays $2,000 per day
    • Anesthesia Benefit; Plan Pays $400 per day
    • Annual Inpatient Maximum; No Limit
  • Accident Benefit (Inpatient and Outpatient)
    • Accidental Death & Loss of Use; $20,000 / $20,000 / $5,000
    • Accident Medical Expense Benefit; $2,000 annual max, $0 deductible
  • Virtual Primary Care
    • $0 Cost Virtual Primary Care Provider and Virtual Urgent Care Access; Unlimited
  • Preventative Services
    • Minimum Essential Coverage (MEC)

EMPLOYEE WEEKLY RATES

Employee Only

$27.58

/ week

Employee + Spouse

$49.51

/ week

Employee + Child

$49.51

/ week

Family

$74.96

/ week

(1)The services described are not insurance and are not provided by Zurich American Insurance Company.
* There is a $25 copay only for sickness visits performed at a Hooray Health’s in-network provider. Copay does not apply to wellness benefit.
**First Health Network contracted providers can be found at hoorayhealthcare.com/FHN. Discounted rates will be applied after services are rendered at physician’s office through the Third Party
Administrator. Member will be responsible for any payment balance above the plan payment of $175. Please see plan policy for details.
***Out-of-Network provider visits are paid $175 per the plan policy. Member will be responsible for any payment balance above the plan payment of $175. Please see plan policy for details.
There is a 10 month pregnancy limitation period.
Enrollment Ages for the standard Advantage plan is age range 18-85. For association business for the Advantage plan, the age range is 18-64
The Insurance benefits described above are underwritten by Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373. This document provides a general description of certain provisions and features of this insurance program and does not revise or amend the applicable policies. In the event of a discrepancy between this document and your certificate of insurance or the group policy, the terms of the group policy shall apply. All benefits are subject to the terms and conditions of the group policy. Please refer to your Certificate of Insurance for a detailed description of the insurance coverage, including the exclusions, limitations, reductions and termination.
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law. This insurance provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative, it is intended to help supplement Comprehensive coverage. This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

HOORAY HEALTH

MINIMUM ESSENTIAL COVERAGE (MEC)

$7.85 / week

Highlights
  • $0 Copay
  • 100% of ACA Preventive Services covered through First Health Network.
  • Wellness-related tests and treatments 
Modal Title

Minimum Essential Coverage (MEC) Plan Details

Self-Funded Minimum Essential Coverage (MEC)(1)
  • ACA Required Preventive Care/ Screening/ Immunization Benefits
    • Minimum Essential Coverage covers 100% of the government’s listed Preventive and Wellness Benefits when you visit an in-network provider. Self-funded by your employer, this coverage is required to satisfy your individual mandate under healthcare law.
  • $0 Copay
  • 100% of Preventive Services covered through First Health Network.
  • For the full list of preventive services covered, please visit https://www.healthcare.gov/coverage/preventive-care-benefits/

EMPLOYEE WEEKLY RATES

Employee Only

$7.85

/ week

Employee + Spouse

$11.49

/ week

Employee + Child

$11.49

/ week

Family

$20.41

/ week

(1)The Minimum Essential Coverage is not underwritten by an Insurance Company.

HOORAY HEALTH

MINIMUM VALUE PLAN (MVP)
PLUS

$410.94 / month

Highlights
  • $0 Deductible
  • Max Out of Pocket $5,000 (Individual)/ $10,000 (Family)
  • Preventive & Wellness (non-hospital based) Included
  • In-patient and out-patient hospitalization benefits
  • Pharmacy Benefits
Modal Title

IHP Minimum Value Plan (MVP) Plus Plan Details

INSURANCE BENEFITS
  • Preventive, Physician & Diagnostic Service
    • Preventive & Wellness (Non-Hospital Based); Included
    • Primary Care Office Visit (Non-Hospital Based); $15 Copay (10 visits per plan year)
    • Specialist Office Visit (Non-Hospital Based) (Includes Mental and Behavioral Health); $25 Copay (10 visits per plan year)
    • Urgent Care; $35 Copay (3 visits per plan year)
    • Telemedicine; $0 Copay (Unlimited)
    • Laboratory Services & Radiology (Non-Hospital Based); $50 Copay (3 visits per plan year)
    • CT / MRI / MRA / PET Scan (Non-Hospital Based) (Prior Auth. Required); $350 Copay1 (2 per plan year)
    • Allergy Services; $25 Copay (Included in PCP or Specialist Office visit limits but separate copay.)
  • Hospital & Facility Services (Subject To Referenced Based Pricing)
    • Inpatient Hospitalization (Prior Auth. Required); $3501 Copay per Admission (7 days per plan year)
    • Inpatient Visits – Physician; Included in Hospitalization Copay
    • Inpatient Surgery (Prior Auth. Required); Included in Hospitalization Copay (3 surgeries per plan year)
    • Outpatient Hospital or Free-Standing Facility Services and Surgery (Prior Auth. Required); $350 Copay1 (2 visits per plan year)
    • Anesthesia; Included in Hospitalization or OP Hospital or FSF Services and Surgery Copay (3 IP and 2 OP per plan year)
    • Emergency Room; 350 Copay1 (1 visit per plan year)
    • Ambulance Service (Ground Services Only); $250 Copay1 (1 per plan year)
    • Second Surgical Opinion; $0 Copay
  • Pregnancy Benefits
    • Professional Services; $350 Copay
    • Maternity / Childbirth / Delivery (Considered Inpatient Hospital Stay) (Prior Auth. Required); $350 Copay per Admission1
  • Other Services
    • Home Health Care (Prior Auth. Required); $25 Copay (15 visits per plan year)
    • Treatment for Chemical Abuse & Dependency – Inpatient (Prior Auth. Required); $250 Copay per Day1 (7 days per plan year)
    • Treatment for Chemical Abuse & Dependency – Outpatient (Prior Auth. Required); $25 Copay per Day (7 days per plan year)
  • Participating Pharmacy Benefits (Subject To Formulary)
    • Preventive (Generic Only); $0 Copay
    • Non-Preventive (Retail); $5 Copay (Generic); $40 Copay (Preferred Brand); $80 Copay (Non-Pref. Brand)
    • Non-Preventive (Mail Order); $15 Copay (Generic); $120 Copay (Preferred Brand); $240 Copay (Non-Preferred Brand)
    • Non-Limited Brand, & Specialty Drugs; Not Covered 100% paid by Member
View the Full Plan Summary

EMPLOYEE MONTHLY RATES

Employee Only

$410.94

/ month

Employee + Spouse

$690.46

/ month

Employee + Children

$602.29

/ month

Family

$881.81

/ month

1 After Copay, benefit subject to Reference Based Pricing. Disclaimer: Benefits listed on this brochure are subject to change, please review the Summary of Benefits for each plan for a complete description of coverage and a list of exclusions.

HOORAY HEALTH

MINIMUM VALUE PLAN (MVP) PREMIER

$444.01 / month

Highlights
  • $0 Deductible
  • Max Out of Pocket $5,000 (Individual)/ $10,000 (Family)
  • Preventive & Wellness (non-hospital based) Included
  • In-patient and out-patient hospitalization benefits
  • Pharmacy Benefits
  • Additional Provider Visits for Preventive, Physician, Diagnostic, Hospital & Facility Services
Modal Title

IHP Minimum Value Plan (MVP) Premier Plan Details

EMPLOYEE MONTHLY RATES

Employee Only

$444.01

/ month

Employee + Spouse

$745.23

/ month

Employee + Children

$644.82

/ month

Family

$946.04

/ month

HOORAY HEALTH

MINIMUM VALUE PLAN (MVP) ULTIMATE

$531.84 / month

Highlights
  • Max Out of Pocket $2,000 (Individual)/ $5,000 (Family)
  • Preventive & Wellness (non-hospital based) Included
  • In-patient and out-patient hospitalization benefits
  • Pharmacy Benefits
  • Additional Provider Visits for Preventive, Physician, Diagnostic, Hospital & Facility Services
Modal Title

IHP Minimum Value Plan (MVP) Ultimate Plan Details

EMPLOYEE MONTHLY RATES

Employee Only

$531.84

/ month

Employee + Spouse

$956.43

/ month

Employee + Children

$814.90

/ month

Family

$1,239.51

/ month

Enrollment ends on December 23rd!

Speak with a Benefits Advisor at 844-882-7529 or send us a message in the Contact Us tab!

Please note: This plan does not provide comprehensive medical coverage and is not intended to replace a major medical plan.

It’s All in the App!

Where do I go to access care?

Hooray Health members have easy access to care where and when you need it. When needs exceed beyond the reach of telemedicine, the Hooray Health Network of Retail Clinics and Urgent Care Centers are available. Visits to Hooray Health Network locations will only cost you a $25 copay, with no balance bills*. If a specialist or primary care physician is needed, the First Health Network provides discounted rates for services at those and other medical providers. If a provider is not in the Hooray Health or First Health Network, feel free to use them, but no discounts apply.

Telemedicine

Doctors can be hard to reach, illnesses can occur in the middle of the night, and sometimes you just have a question. In all those circumstances – and many more – telemedicine is a convenient and affordable solution.

Retail Clinics | Hooray Health Network

Retail Clinics (ie. CVS MinuteClinic) are located within retail stores and provide services to treat minor, uncomplicated illnesses and injuries, such as fevers, colds, rashes, bumps, and scrapes.

Urgent Care Centers | Hooray Health Network

Urgent Care Centers provide services similar to what you will find at your primary care provider, such as x-rays, physicals, etc. They save you the trouble of working around your doctor’s schedule.

First Health Network

The First Health Nationwide Network is available if you need a specialist or a primary care provider. If you have an illness or an accident that requires more than urgent care or retail medical clinic, the First Health Network providers have contracted rates for inpatient and outpatient services. Contracted rates mean lower rates you’ll pay out of pocket.  

Supplemental Plan Options

Hooray Health partners with A+ rated carriers to provide supplemental coverage for you, your spouse, your kids, or your entire family.
Learn more about these great supplemental plan options:

MetLife
DENTAL

$5.13 / week

Highlights
  • $750 Yearly Maximum
  • Exams and Cleanings
  • X-rays and Fillings
  • In Network for additional savings
MetLife
VISION

$2.18 / week

Highlights
  • Reimbursement
  • Eye Examination
  • Comprehensive Exam
  • Retinal Imaging
  • Materials / Eyewear
  • Standard Corrective Lenses
MetLife
LIFE

$0.60 / week

Highlights
  • Death Benefit to Beneficiary
  • Medical Evidence Level: $10,000
  • Spouse Benefit
  • Child Benefit
Metlife
SHORT-TERM DISABILITY

$0.26 / week

Highlights
  • Protects your Income when sick or injured  
  • Weekly Benefit Amount (60%) 
  • Rehabilitation & Family Care Incentives
  • Benefit Duration: 26 Weeks   

View the Express Employment Professionals Plan Overview for more details.

To speak with a Benefits Advisor, please call 844-882-7529 or send us a message in the Contact Us tab.

Don't just take it from us. See what our members are saying!

Have questions?—We’re here to help!

Frequently Asked Questions

What is the cost of a retail clinic or urgent care visit?

A member will pay a $25 copay for a visit to a retail clinic or urgent care center that is in the Hooray Health network. The member will not receive a balance bill or additional charges for covered procedures at in-network providers.  

What is the cost of a telemedicine visit?

Hooray Health has an unlimited telemedicine service available to members 24/7/365 and has a $0 consult fee every time. Members can speak to a physician at their convenience, and if needed, their prescriptions can be called into a pharmacy of their choice.  

Is a Limited Benefit Plan right for you?

Hooray Health offers $0 Telemedicine & only a $25 copay to a national network of Urgent cares & Retail Clinic. We cover accidents and illnesses along with discounts on prescription drugs. We aren’t a comprehensive medical plan, with a high deductible, that has extensive coverage for serious medical conditions. Many people think we are just the right amount of coverage for them!

Where can I use my prescription discount?

Prescription discounts can be utilized at thousands of pharmacies across the country and can be located using the Hooray Health App.  

How can I tell if a provider is in the Hooray Health Network?

Providers can be found using the “Provider Look-Up” feature on the Hooray Health App or by contacting our medical concierge.  

Where can I download the Hooray Health App?

Search “Hooray Health” on the Apple App Storeor Google Play Store 

What are the age requirements for a Hooray Health Plan?

If your Company is offering Advantage plans, the Hooray Health plans are available to anyone between 18-84 years old. If Select plans are offered, the age limitations are 18-64

Can members cancel the plan at any time?

Yes. However, they’ll not be eligible for the plan again until the next Open Enrollment. 

*No balance bills apply for covered services with contracted Hooray Health Network Providers. Network restrictions may apply in some states.
The Hooray Health Elite Plan provides limited essential accident and sickness coverage and are not a substitute for major medical insurance.