Choosing the right amount of coverage for you and your family can feel… well, a little daunting. Here’s a tip: Instead of trying to figure out percentages and deductible levels, think about how you really live. You’ll need different levels of coverage at different life stages—and St. Luke’s Health Plan is ready to meet you where you are.

Sometimes, life hits you hard—but with St. Luke’s Health Plan, you won’t have to worry. Finding an in-network doctor is super simple, and no matter which plan you choose, you'll pay $0 when you visit your in-network primary care physician.

If you’re unsure about which level of coverage is right for you, check out the lifestyle guideposts below. And if you need a quick primer on frequently used insurance terms, just pop over to this page.

If you are a person who considers your doctor part of your family, or if you require frequent medical care, you’ll want to consider a Gold plan. The Gold plan gives you the best value for frequent visits to doctors and specialists. If you are planning any big health care expenses, like a surgery that will require a hospital stay, the Gold plan provides the best coverage for your needs.

Silver plans offer great coverage options for members—especially families with kids— who rely on coverage for unexpected bumps and bruises each year. On a Silver plan, you can also expect to save on prescription medications, like those meant for managing chronic conditions like diabetes or heart disease.

If your doctor signs off on your annual exam and lab tests every year with a hearty “Keep it up!”, pick the Bronze plan. Yes, you’ll have a higher deductible—but the chances are good you won’t meet it, anyway. And you’ll pay $0 on preventive care services.

No problem. You can always contact our customer service team at 1-833-478-5853 or in the Member Portal.