Health plans built around choice, local care — and your team.
Helping employees and businesses thrive
We know the importance of keeping your team well and happy — and your business productive and profitable. That’s why we offer the most cost-effective and comprehensive employer-sponsored health plans in the region.
You’re not just covered, you’re cared for.
50+ years
We’re not new to the commercial health insurance industry. For more than five decades we’ve been providing high-quality health care coverage and cost-free resources to businesses of all sizes.
Local
We’re not a national corporation. We’re a local company collaborating closely with the doctors, hospitals, and health care providers you know and trust to deliver care when you need it.
Nonprofit
We don't work to make money for investors or shareholders. We work to better your life with affordable coverage and reliable care in the moments that matter.
Let's talk
Today, we serve more than 1.25 million combined members — but our relationships and partnerships are still one-to-one. Complete this form to get plan details from a local rep.
Complete care, coverage, and support that's close by
Medica Choice National gives members access to a large national network with more than one million providers. Members benefit from a plan that's easy to access and simple to use.
- Open-access national network
- Nationwide benefits with dedicated call center
- Provides administrative simplicity
Medica with SSM Health gives members access to an aligned care network of more than 1,650 physicians, specialists, and advanced practice clinicians.
- 10 hospitals and 140+ clinics in network
- Includes access to SLUCare Physician Group providers
- Flexible, same-day in-person and virtual appointments
Medica with Mercy gives plan members access to an aligned care network of more than 1,800 doctors, 500 clinics, and 6 hospitals.
- Premier maternity and pediatric care
- Leading-edge cardiology and cancer services
- Controls costs as an accountable care organization
Frequently asked questions
An ACO (Accountable Care Organization) is a group of providers — clinics, hospitals, doctors, and specialists — who partner to offer an elevated health care experience. ACO networks offer many advantages:
- Lower costs: ACO members save up to 20% compared to open-access (national network) plans
- Higher quality: ACOs focus on prevention and efficiency for more comprehensive care
- More satisfaction: 97% of members renew into an ACO product*
- Better health: ACO members have fewer ER visits, less hospital readmissions, and more affordable drug options
*Results based on 2023 enrollment.
ACO providers own the costs of their services. When they treat a patient efficiently, and costs are lower than expected, they get to share in the savings. This value-based care model is a win-win for doctors and patients — and leads to better care at a lower cost.
ACOs focus on value-based care: An approach that centers on quality, efficiency, and the patient experience. Doctors work together to manage a patient’s overall health and unique personal goals.
The “value” refers to whatever each patient wants most from the visit. It could be as simple as combining appointments — so a patient only makes one trip to a clinic.
There’s incentives, too. Doctors and clinics are paid based on how well they treat patients — not just for providing care. Doctors get financial rewards when they meet patient goals safely and effectively.
This model motivates doctors to give the best possible care. Because their payment depends on the patient’s outcome.
"You're not just covered, you're cared for." is a registered trademark of Medica.