Western Growers Health PLAN OFFERINGS

Plans & Benefits

Explore a full range of insurance solutions designed to meet your clients’ needs and deliver results they can rely on.

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Comprehensive Plan Overview

As a member-driven, non-profit organization, Western Growers Health offers a robust portfolio designed to support owners, managers and all employees, including seasonal workers, across the agriculture community. 

SAVER

  • Small group only
  • Anthem Prudent Buyer Network
  • Broad range of plan options

CEDAR

  • Small and large group
  • Proprietary PPO network (Referrals are required)
  • Created for field workers
  • Low copays
  • Virtual benefits

HDHP/HSA

  • Small and large group
  • Anthem Prudent Buyer Network
  • HSA compatible plans

SPECTRUM*

  • Small and large group
  • Anthem Prudent Buyer Network
  • Affordable PPO plans

*Higher deductibles
*Low copays, limited visits

GROW

  • Small and large group
  • Anthem Prudent Buyer Network
  • Variety of Rx plans to select
  • Broad range of deductibles
  • PLAN SOLUTIONS
    • Wide range of fully insured offering
    • Plan portfolio with strategic solutions
  • COMPREHENSIVE NETWORK ACCESS
    • Prudent Buyer PPO - Anthem
    • Cedar EPO - Western Growers Health
    • First Health Network (for members outside CA/AZ)
    • Western Growers Health Mexico Cross Border Program
  • PREDICTABLE RENEWALS
    • MEWAs provide substantial benefits at a reasonable price
    • Employers save money year over year with renewals well under trend
  • COMPETITIVE RATING & PRICING MODELS
    • Small Group, Age Band Composite Rates
    • Large Group 4-Tier Composite Rates
  • HEALTH & WELLNESS SUPPORT
    • Health & Wellness Centers in Central Valley/Central Coast
    • Rightway Concierge App
    • Health Management for Chronic Conditions
    • Virtual Care
  • ANCILLARY SERVICES
    • Dental, Vision, and Life

MEWA

Multiple Employer Welfare Arrangement (MEWA)

Western Growers Health, a Multiple Welfare Arrangement (MEWA), offers ACA-compliant major medical and pharmacy plans for small and large employers—uniquely tailored to the needs of agricultural and related businesses.

We understand ag businesses have unique needs.
Here’s how Western Growers Health MEWA plans compare to other carriers in the market.  

Multiple Employer Welfare Arrangement (MEWA)

FEATURE WESTERN GROWERS HEALTH (MEWA) TRADITIONAL CARRIERS
Accessibility Agriculture and related businesses Unrestricted access
Plan Sponsor Member-owned, nonprofit association Publicly traded, shareholder-driven
Cost Stability More predictable Less predictable
Plan Flexibility More flexibility under ACA plan Low – fixed ACA plans
Regulation Regulated by ERISA (DOL) Heavily regulated under ACA, DOI, DMHC
Disease Management Included Not Included
Rates Composite Hybrid Age-rated
Compliance Cobra, 5500, SPD’s, Rx reporting, required notices Employer responsibility

Ready to quote your next ag client?

Connect with your Regional Sales Director to review plan options, eligibility, and programs designed to support your groups. We’re here to make healthcare simpler, smarter, and more effective for you and the businesses you serve.

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