IDR offers temporary coverage designed to fit life’s transitions—perfect for gaps between jobs, waiting for open enrollment, or unexpected insurance needs.
Attract, retain, and safeguard your team with IDR’s ACA-compliant group coverage, designed to provide robust protection while keeping costs manageable.
With IDR coverage, benefits are essential—demonstrate to candidates that your company values and protects its team.
Key Details
Attract and retain talent with employer-paid contribution options.
Simple HMO, PPO, or EPO plan designs with pre-tax payroll deductions.
What to Know About IDR Group Health Plans
ACA-compliant coverage that includes essential health benefits.
Pre-existing conditions are covered; underwriting requirements vary by funding type.
Minimum participation and employer contribution requirements typically apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) for plan setup.
Don’t just accept a plan—review, customize, and explore funding options with IDR to find the best fit for your team.
Key Details
Compare and market your plan across carriers and networks.
Explore level-funded or self-funded options with stop-loss protection to manage cost trends.
What to Know About IDR Group Health Plans
ACA-compliant coverage including essential health benefits.
Pre-existing conditions are covered; underwriting varies by funding type.
Minimum participation and employer contribution requirements usually apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) to get started.
ACA compliance isn’t optional—provide IDR coverage that meets all requirements and helps your business avoid penalties.
Key Details
Create IDR plans that meet affordability and minimum value standards.
Get support with required notices, employee eligibility, and ongoing plan administration.
What to Know About IDR Group Health Plans
ACA-compliant coverage including essential health benefits.
Pre-existing conditions are covered; underwriting requirements vary by funding type.
Minimum participation and employer contribution rules typically apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) to start plan setup.
Maximize your savings with IDR by setting up your health plan the smart way.
Key Details
Take advantage of Section 125 pre-tax premiums and HSA-compatible HDHP options.
Combine with an HRA or FSA to increase plan value without increasing costs.
What to Know About IDR Group Health Plans
ACA-compliant coverage including essential health benefits.
Pre-existing conditions are covered; underwriting varies by funding type.
Minimum participation and employer contribution requirements usually apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) to begin setup.
Enhance your coverage with broader networks, improved prescription benefits, and a smarter employer contribution strategy with IDR.
Key Details
Set the employer/employee cost split to align with your compensation strategy.
Bundle dental, vision, and life coverage for a streamlined total rewards package.
What to Know About IDR Group Health Plans
ACA-compliant coverage including essential health benefits.
Pre-existing conditions are covered; underwriting varies by funding type.
Minimum participation and employer contribution requirements typically apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) to get started.
Have a W-2 workforce with solid participation? IDR group plans often deliver the best value.
Key Details
IDR will help you compare costs, networks, and administrative requirements for your group plan.
Multi-state or remote workforce? We’ll match carriers to fit your geographic footprint.
What to Know About IDR Group Health Plans
ACA-compliant coverage including essential health benefits.
Pre-existing conditions are covered; underwriting varies by funding type.
Minimum participation and employer contribution requirements typically apply.
Quick Next Steps
Gather a recent invoice, benefit summary, or wishlist.
Provide employee headcount, ZIP codes, dependents, and a simple census (names, DOBs, ZIP codes) to begin plan setup.
Four easy steps with IDR—get better benefits and less administrative hassle for your team.
Provide your employee count, locations, and budget—IDR will price plan options and employer contributions for you.
IDR helps you compare carriers, networks, and plan types (HMO, PPO, EPO) and add dental, vision, or HSA/FSA options.
IDR sets up payroll deductions, employee portals, and compliance documents—ensuring smooth onboarding with zero hassle.
IDR provides ID cards, telehealth, and wellness benefits from day one—plus ongoing support for your team.
IDR plans have a monthly cost, typically shared between employer contributions and employee payroll deductions.
What It Is
The total cost of an IDR group health plan. Employers usually cover a portion of employee-only coverage, while employees pay the remainder through pre-tax payroll deductions.
How It Works
Rates can be composite (same per tier) or age-rated.
Pre-tax Section 125 payroll deductions reduce employees’ taxable income and FICA taxes.
What Affects Cost
Employee census (ages and ZIP codes), plan design, network, participation rates, employer contribution percentage, and industry.
Pro Tip
Contributing at least 50% of the employee-only premium encourages higher participation and smooth carrier approval.
Example
$600/month premium → employer pays 60% ($360), employee pays $240 pre-tax.
The amount you pay out-of-pocket before your IDR plan begins covering expenses.
What It Is
The deductible is the upfront amount you pay for covered services each plan year before your IDR plan starts sharing costs.
How It Works
Resets annually at the start of each plan year.
Some services, like office visit copays, may bypass the deductible depending on your plan.
Watch For
Embedded vs. aggregate family deductibles—understand which applies to your coverage.
Pro Tip
Choose a deductible that the average employee can manage without financial strain.
Example
$2,000 deductible → you pay the first $2,000 of covered charges each plan year.
A fixed copay for specific services such as primary care, specialist visits, or urgent care under your IDR plan.
What It Is
A copay is a fixed dollar amount you pay at the time of service under your IDR plan.
Examples
Primary care visit: $30
Specialist visit: $60
Urgent care visit: $75
Note
Many services may still apply the deductible and coinsurance instead of a copay.
The portion of medical costs you pay as a percentage after meeting your deductible under your IDR plan.
What It Is
Coinsurance is the percentage of costs you pay after meeting your deductible, with the plan covering the rest.
Typical Splits
80/20, 70/30, or 60/40 (the plan pays the first number).
Example
With 80/20 coinsurance on a $2,000 allowed bill → you pay $400; IDR plan pays $1,600.
The maximum amount you pay for in-network services in a plan year under your IDR coverage.
What It Is
The out-of-pocket maximum is the most you’ll pay in a plan year for covered in-network essential health benefits, including deductible, coinsurance, and copays.
After You Hit It
Your IDR plan covers 100% of additional in-network services for the remainder of the plan year.
The network shows where you can receive care and explains how referrals and out-of-network coverage work under your IDR plan.
Plan Types
HMO: In-network care only (except emergencies); referrals usually required.
PPO: In-network preferred, but out-of-network care allowed at higher cost.
EPO: In-network only, typically no referrals needed.
Tiered Networks
Some IDR plans use Tier 1 and Tier 2 hospitals and providers—Tier 1 usually comes with lower costs.
IDR offers tax-advantaged options to help you pay for healthcare expenses efficiently.
HSA (Health Savings Account)
Available only with HSA-eligible HDHPs.
Employee-owned; funds roll over year to year and can be invested.
HRA (Health Reimbursement Arrangement)
Employer-funded; reimburses eligible healthcare expenses.
Unused funds may roll over based on plan rules.
FSA (Flexible Spending Account)
Use-it-or-lose-it account with limited carryover or grace period (employer decides).
Pro Tip
Pair an HSA-eligible plan with employer HSA contributions to make transitioning to higher deductibles easier.
IDR outlines who’s eligible for coverage, when it begins, and the windows for making changes.
Eligibility
Full-time employees as defined by the IDR plan; dependents include spouse and children up to age 26.
Waiting Period
Typically 0–60 days from hire, set by the employer within legal limits.
Enrollment Windows
Annual Open Enrollment
Qualifying Life Events (marriage, birth, loss of other coverage, etc.)—usually 30 days to enroll
Pro Tip
Use a checklist at hire and collect signed waivers from employees who decline coverage.
IDR dental coverage helps pay for cleanings, exams, and fillings—keeping smiles healthy and costs manageable.
What It Does
IDR dental coverage pays for preventive services like cleanings, exams, and X‑rays, as well as basic and major procedures according to the plan’s coinsurance schedule.
Why Bundle with Group Health
A high-value, frequently used benefit that employees expect alongside medical coverage.
Things to Know
Waiting periods and annual maximums often apply; orthodontia is typically excluded or limited.
IDR vision coverage helps pay for eye exams, lenses, and frames—keeping your vision clear without high out-of-pocket costs.
What It Does
IDR vision coverage pays for routine eye exams and offers allowances for lenses, frames, or contacts.
Why Bundle with Group Health
A low-cost, high-value benefit that boosts employee satisfaction and supports overall wellness.
Things to Know
Coverage may include frequency limits and brand or formulary restrictions.
IDR provides an employer-funded safety net to protect every employee.
What It Does
IDR life and AD&D coverage provides a flat amount or salary multiple paid to beneficiaries for covered accidents.
Why Bundle with Group Health
Offers foundational protection that complements a comprehensive employee benefits package.
Things to Know
Coverage amounts and eligibility depend on employee class definitions; age-based reductions may apply.
IDR lets employees purchase additional life coverage to provide extra financial protection for their families.
What It Does
IDR allows employees to buy additional life insurance, often including spouse and child riders.
Why Bundle with Group Health
Enables employees to tailor their coverage without additional employer cost (unless the employer chooses to contribute).
Things to Know
Evidence of insurability may be required for amounts above the guaranteed issue limit.
IDR provides weekly income benefits if a covered illness or injury prevents you from working.
What It Does
IDR short-term disability coverage replaces a portion of wages during short-term absences after an elimination period.
Why Bundle with Group Health
Helps protect employees’ income and reduces financial stress, supporting retention.
Things to Know
Offsets, pre-existing condition limits, and the plan’s definition of disability apply; state plans may coordinate with coverage.
IDR long-term disability coverage provides income protection during extended recovery periods.
What It Does
IDR long-term disability coverage pays a percentage of salary for extended disabilities according to policy terms.
Why Bundle with Group Health
Provides protection against catastrophic income loss that employees typically cannot self-insure.
Things to Know
Definitions of own-occupation vs. any-occupation, benefit maximums, and mental/nervous limitations may vary.
IDR offers 24/7 telehealth access via phone or video for common medical conditions.
What It Does
IDR telehealth provides on-demand virtual visits with licensed clinicians, including prescriptions where permitted.
Why Bundle with Group Health
Reduces urgent care costs and minimizes time away from work.
Things to Know
Not for emergencies; prescribing rules vary by state and some medications are excluded.
IDR Employee Assistance Programs (EAP) offer confidential counseling, plus legal, financial, and other support resources.
What It Does
IDR Employee Assistance Programs provide 24/7 counseling and work-life support for employees and their families.
Why Bundle with Group Health
Enhances productivity and retention while promoting mental health and well-being.
Things to Know
Session limits and referral requirements apply; EAP services are not a replacement for ongoing therapy.
IDR accident coverage provides cash benefits for ER visits, imaging, and follow-up care after a covered accident.
What It Does
IDR accident coverage pays scheduled cash benefits for covered injuries and related medical care.
Why Bundle with Group Health
Works alongside high-deductible medical plans to help reduce out-of-pocket expenses.
Things to Know
Coverage is accident-only; per-event limits and coordination with other insurance apply.
IDR critical illness coverage provides a one-time cash benefit upon diagnosis of conditions such as cancer, heart attack, or stroke.
What It Does
IDR critical illness coverage pays a lump-sum benefit upon a covered diagnosis, which can be used as needed.
Why Bundle with Group Health
Supports employees with deductibles, travel, time off work, and other non-medical expenses.
Things to Know
Coverage applies to specific conditions; waiting periods and survival requirements may apply.
IDR hospital indemnity coverage provides fixed daily or per-procedure cash benefits for hospital, surgery, or ICU stays—regardless of actual medical bills.
What It Does
IDR hospital indemnity coverage pays fixed cash amounts for inpatient days, surgeries, and ICU stays, regardless of billed charges.
Why Bundle with Group Health
Helps offset large out-of-pocket spikes when employees share medical costs.
Things to Know
Benefits are schedule-limited and do not replace major medical coverage.
IDR offers pre-tax accounts for healthcare expenses, helping employees spend smarter and reduce payroll taxes.
What It Does
IDR sets up and manages accounts that allow employees to pay eligible healthcare expenses with tax-free dollars.
Why Bundle with Group Health
Reduces both employer and employee taxes and complements HSA-eligible HDHP plans.
Things to Know
Eligibility rules apply (e.g., HSAs require an HDHP); documentation and rollover limits must be followed.
IDR ensures smooth compliance when employees leave the group health plan.
What It Does
IDR manages COBRA and state continuation by handling notices, elections, and premium collection.
Why Bundle with Group Health
Minimizes administrative workload and reduces employer liability.
Things to Know
Late notices can lead to penalties; rules for small groups vary by state.
IDR provides self-service enrollment, eligibility tracking, and seamless carrier data integration for your group health plan.
What It Does
IDR’s platform manages enrollments, EDI feeds, and plan changes, complete with audit trails.
Why Bundle with Group Health
Reduces HR workload, minimizes errors, and improves the employee experience.
Things to Know
Carrier integrations, costs, and implementation timelines may vary.
IDR offers pharmacy benefits management (PBM) tools, formularies, and programs to help control prescription drug costs.
What It Does
IDR uses strategies such as step therapy, preferred networks, and carve-outs to optimize pharmacy spending.
Why Bundle with Group Health
Prescription costs are a major driver of trends—effective management can generate significant savings.
Things to Know
Formulary restrictions and prior authorizations may affect the member experience.
IDR wellness programs use biometrics, coaching, and incentives to help employees build healthier habits.
What It Does
IDR wellness programs offer screenings, risk assessments, coaching, and rewards to promote healthier behaviors.
Why Bundle with Group Health
Boosts employee engagement and can help lower claims over time.
Things to Know
Participation and incentive programs must comply with ACA, EEOC, and HIPAA regulations.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Our licensed agents are certified in multiple states—call us or request a callback!
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
Group health insurance covers a group of people—typically a company’s employees—under a single plan. Instead of each employee purchasing individual coverage, the employer negotiates one policy that provides benefits for everyone, often at a lower per-person cost.
Most states require at least two employees (sometimes counting the business owner and spouse). Some carriers, including IDR Insurance, offer small business group plans for companies with as few as 2–5 employees.
Yes. Because costs are shared across the group and employers often contribute to premiums, employees typically pay less per month than they would for individual coverage.
IDR Insurance group health plans typically require employers to pay a minimum of 50% of employee premiums. Many employers choose to contribute more, with employees covering the rest and any dependents.
Yes. Most group health plans allow employees to include spouses, children, or other dependents for an additional premium. Employers aren’t typically required to cover dependent costs, though some choose to as a benefit.
What Group Health Insurance Covers
Preventive care: check-ups, screenings, and vaccines
Doctor visits and specialist care
Prescription medications
Hospitalization and emergency services
Maternity and newborn care
Mental health services
Optional add-ons: dental, vision, and critical illness coverage
Call, text, or click. We’re ready when you are.
Call: (636) 556-5555, (314) 499-8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
