902 CADENCE CIRCLE

LAKE GENEVA, WI 53147

+1-833-526-8371

Affordable Plans. Transparent Benefits.

Compare Value, Bronze, HSA, Silver, and Gold options side by side. Review key benefits, PPO networks, and sample monthly premiums — all in one clear view.

health insurance plans & Rates

Plans and Rates

Plan options are shown below for reference. Networks listed for each plan tier. Administrator and carrier names are intentionally omitted. Please contact Premier Shield Benefits for official details and rates.

Benefit	Value	Bronze	HSA	Silver	Gold	Platinum	Diamond
Network	Open Access	CIGNA PPO	CIGNA PPO	CIGNA PPO	CIGNA PPO	CIGNA PPO
Deductible (Ind/Fam)	$5,000 / $10,000	$8,000 / $16,000	$6,000 / $12,000	$5,000 / $10,000	$3,000 / $6,000	$250 / $500	$0 / $0
Coinsurance	60/40	70/30	70/30	70/30	80/20	80/20	70/30
Max Out of Pocket (Ind/Fam)	$9,000 / $18,000	$8,700 / $17,400	$7,000 / $14,000	$8,700 / $17,400	$8,700 / $17,400	$1,250 / $2,500	$6,000 / $12,000
Preventive Care	$0	$0	$0	$0	$0	$0	$0
Teledoctor Services	$0	$0	$0	$0	$0	$0	$0
Primary Care Visit	$50	$50	30% After Ded	$40	$35	$25	$25
Specialist Visit	$75	$120	30% After Ded	$80	$55	$45	$50
Urgent Care Visit	$75	$100	30% After Ded	$60	$55	$45	$50
Labs / X-Ray	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
Diagnostic MRI / PET / CT / EKG	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
Emergency Room	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
Outpatient Surgical	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
Hospital Admission	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
Maternity	40% After Ded	30% After Ded	30% After Ded	30% After Ded	20% After Ded	20% After Ded	30%
RX (Generic/Brand/NP Brand)	$0/$35/$75	$0/$35/$75	30% After Ded	$0/$35/$75	$0/$35/$75	$0/$35/$75	$0/$35/$75
RX Specialty	100% Member Cost	Contact PBM	Contact PBM	Contact PBM	Contact PBM	Contact PBM	100% Member Cost

Monthly Premiums ^*	Value	Bronze	HSA	Silver	Gold	Platinum	Diamond
Employee Only	$303	$544	$640	$674	$941	$1,003	$873
Employee + Spouse	$475	$856	$1,012	$1,067	$1,493	$1,632	$1,072
Employee + Child(ren)	$492	$753	$889	$945	$1,309	$1,563	$1,243
Employee + Family	$601	$1,134	$1,340	$1,413	$1,981	$2,993	$1,687
	Requires Pre-Authoriation for all covered services

Value

Network

Open Access

Deductible (Ind/Fam)

$5,000 / $10,000

Coinsurance

60/40

Max OOP (Ind/Fam)

$5,000 / $10,000

Preventive

$0

Teledoctor

$0

Primary Care

$50

Specialist

$75

Urgent Care

Teledoc Only

Labs / X-Ray

40% After Ded

Diagnostic MRI/PET/CT/EKG

40% After Ded

Emergency Room

40% After Ded

Outpatient Surgical

40% After Ded

Hospital Admission

40% After Ded

Maternity

40% After Ded

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

100% Member Cost

Monthly Premiums *

Employee Only

$303

Employee + Spouse

$475

Employee + Child(ren)

$492

Employee + Family

$601

*Requires Pre-Authoriation
for all covered services*

Bronze

Network

CIGNA PPO

Deductible (Ind/Fam)

$8,000 / $16,000

Coinsurance

70/30

Max OOP (Ind/Fam)

$8,700 / $17,400

Preventive

$0

Teledoctor

$0

Primary Care

$50

Specialist

$120

Urgent Care

$100

Labs / X-Ray

30% After Ded

Diagnostic MRI/PET/CT/EKG

30% After Ded

Emergency Room

30% After Ded

Outpatient Surgical

30% After Ded

Hospital Admission

30% After Ded

Maternity

30% After Ded

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

Contact PBM

Monthly Premiums *

Employee Only

$544

Employee + Spouse

$856

Employee + Child(ren)

$753

Employee + Family

$1,134

HSA

Network

CIGNA PPO

Deductible (Ind/Fam)

$6,000 / $12,000

Coinsurance

70/30

Max OOP (Ind/Fam)

$7,000 / $14,000

Preventive

$0

Teledoctor

$0

Primary Care

30% After Ded

Specialist

30% After Ded

Urgent Care

30% After Ded

Labs / X-Ray

30% After Ded

Diagnostic MRI/PET/CT/EKG

30% After Ded

Emergency Room

30% After Ded

Outpatient Surgical

30% After Ded

Hospital Admission

30% After Ded

Maternity

30% After Ded

RX (Generic/Brand/NP Brand)

30% After Ded

RX Specialty

Contact PBM

Monthly Premiums *

Employee Only

$640

Employee + Spouse

$1,012

Employee + Child(ren)

$889

Employee + Family

$1,340

Silver

Network

CIGNA PPO

Deductible (Ind/Fam)

$5,000 / $10,000

Coinsurance

70/30

Max OOP (Ind/Fam)

$8,700 / $17,400

Preventive

$0

Teledoctor

$0

Primary Care

$40

Specialist

$80

Urgent Care

$60

Labs / X-Ray

30% After Ded

Diagnostic MRI/PET/CT/EKG

30% After Ded

Emergency Room

30% After Ded

Outpatient Surgical

30% After Ded

Hospital Admission

30% After Ded

Maternity

30% After Ded

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

Contact PBM

Monthly Premiums *

Employee Only

$674

Employee + Spouse

$1,067

Employee + Child(ren)

$945

Employee + Family

$1,413

Gold

Network

CIGNA PPO

Deductible (Ind/Fam)

$3,000 / $6,000

Coinsurance

80/20

Max OOP (Ind/Fam)

$8,700 / $17,400

Preventive

$0

Teledoctor

$0

Primary Care

$35

Specialist

$55

Urgent Care

$55

Labs / X-Ray

20% After Ded

Diagnostic MRI/PET/CT/EKG

20% After Ded

Emergency Room

20% After Ded

Outpatient Surgical

20% After Ded

Hospital Admission

20% After Ded

Maternity

20% After Ded

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

Contact PBM

Monthly Premiums *

Employee Only

$941

Employee + Spouse

$1,493

Employee + Child(ren)

$1,309

Employee + Family

$1,981

Platinum

Network

CIGNA PPO

Deductible (Ind/Fam)

$250 / $500

Coinsurance

80/20

Max OOP (Ind/Fam)

$1,250 / $2,500

Preventive

$0

Teledoctor

$0

Primary Care

$25

Specialist

$45

Urgent Care

$45

Labs / X-Ray

20% After Ded

Diagnostic MRI/PET/CT/EKG

20% After Ded

Emergency Room

20% After Ded

Outpatient Surgical

20% After Ded

Hospital Admission

20% After Ded

Maternity

20% After Ded

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

Contact PBM

Monthly Premiums *

Employee Only

$1,003

Employee + Spouse

$1,632

Employee + Child(ren)

$1,563

Employee + Family

$2,993

Diamond

Network

Deductible (Ind/Fam)

$0 / $0

Coinsurance

70/30

Max OOP (Ind/Fam)

$6,000 / $12,000

Preventive

$0

Teledoctor

$0

Primary Care

$25

Specialist

$50

Urgent Care

$50

Labs / X-Ray

30%

Diagnostic MRI/PET/CT/EKG

30%

Emergency Room

30%

Outpatient Surgical

30%

Hospital Admission

30%

Maternity

30%

RX (Generic/Brand/NP Brand)

$0/$35/$75

RX Specialty

100% Member Cost

Monthly Premiums *

Employee Only

$873

Employee + Spouse

$1,072

Employee + Child(ren)

$1,243

Employee + Family

$1,687

Dental vs Dental+Vision — Plan Highlights & Monthly Rates

Plan Highlights	CIGNA Dental	CIGNA Dental/Vision Bundle
Annual Benefit Maximum	None	None
Deductible	$0	$0
Preventive Services	$0	$0
Basic Services	Copays Only	Copays Only
Major Services	Copays Only	Copays Only
Waiting Periods	None	None

Monthly Rates	Gap Rates	Dental + Vision Rates
Employee Only	$60	$80
Employee + Spouse	$120	$155
Employee + Children	$120	$175
Employee + Family	$120	$175

Cigna Dental (Gap) vs Dental/Vision bundle.

Underwriting & Knock-Out Questions *

Groups of 1–10: Each individual is reviewed separately. If NO to all knock-out questions, the rates provided are firm. If YES to even one question, they cannot apply for these plans. If 3 or more qualify, the group can list bill.

Groups of 10+: Traditional group underwriting applies. Provide a census, current rates, renewal rates, current plan designs, etc. The group receives a single YES/NO decision. If YES, the listed rates apply by selected plan design.

Open Knock-Out Questions (PDF)

Request Plan Details

Specific administrator and plan branding are intentionally omitted. Networks shown for reference. Contact PSB for official brochures, state availability, and final underwriting.

Founder's Story

I founded Premier Shield Benefits to simplify a confusing industry and give people confidence in their coverage. Built on transparency, integrity, and customization, we help freelancers, families, and businesses protect what matters most. More than policies, it’s about shielding futures and securing peace of mind.

Contact

902 CADENCE CIRCLE

LAKE GENEVA, WI 53147

+1-833-526-8371

Mo – Fr: 9:00 – 19:00