Our Plans Are Upgrading

Here’s all the information you need to know to activate your upgrade at no additional cost.

Upgrade today for an April 1, 2023 effective date

Benefits of Upgrading

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Top 6 Plan Upgrades

No limits or maximum payouts

There are no more limits on the number of in-network doctor visits, labs and imaging services, or prescriptions the plan will cover.

New Care Coordination service

You’ll have access to our dedicated Care Coordination team – this is your white glove service that will assist you with major procedures, imaging and diagnostic tests. When you use this service, your copays and out-of-pocket costs can be waived.

Lower out-of-pocket costs

Currently, you pay a set amount (your IUA) per incident when you have an emergency or expensive procedure. You’ll now pay that same set amount just once per plan year for emergencies and expensive procedures (including maternity), no matter how many incidents you have in the plan year.

Lower copays

If you’re on our Advanced or Copay plan, you’ll enjoy lower Rx copays.

Expanded PPO network

Even more providers are in-network.

Improved mental health care

We’re partnering with Talkspace to bring you high-quality, virtual mental health services.

Plan Upgrade Comparisons

Select your plan below to view a comparison to your upgraded plan vs your current plan.

Plan Upgrade Consent

Please fill out the form below to confirm automatic plan upgrades. 
Next, follow the instructions after submitting to cancel your old plan with our previous administrator.


Yes, Clearwater is still your broker! You may have received an email from Planstin stating otherwise, but that is untrue.

No, you can choose not to upgrade to our improved plans. 

Your new plan will begin on April 1, and your old plan will end effective March 31. You will not experience a lapse in coverage when you follow our two-step upgrade process.

Our mission always has been and continues to be to deliver the best plans at the best price to our agents and customers. With the experience of working with a variety of carriers over the years, we’ve gathered feedback from our customers and data from claims that we’ve used to research how we can create plans that deliver better benefits for the same or lower cost. Browse the materials listed on this page to learn more about the upgrades and how they are improving your plan.

No, as long as you follow our simple two-step process to avoid getting billed twice. Sign the consent form on this page, and then follow the instructions to cancel your old plan with Planstin.