BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
At PEO4YOU, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round – No underwriting
Features | H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|
Employee Only | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
Employee + Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
Employee + (Children) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
Employee + Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Waived Employees | $5.00 | $27.00 | $32 |
6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round
Features | H&W 125 | DENTAL 125 | VISION 125 | ACCIDENT | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
Waived Employees | $10.00 | $27.00 | $37 |
Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child.
Making Healthcare Accessible Across Iowa
At PEO4YOU, we believe every Iowan deserves healthcare that supports their well-being and financial security. Our Iowa health plans are designed to meet the needs of employers, individuals, and families by combining comprehensive coverage with practical enrollment support.
We help members find the right protection by clarifying plan options, explaining eligibility for Medicaid or the Affordable Care Act, and showing how to use resources like preventive care and wellness programs. For many households, this guidance can make the difference between confusion and confidence.
Healthcare in Iowa continues to evolve with new regulations, updated insurance choices, and shifting costs. By partnering with PEO4YOU, residents gain not only a plan but also a long-term ally. From routine visits to complex treatment, our solutions make healthcare less overwhelming and more reliable.
If you would like to learn more or speak with us directly, you can contact our team or request details about available insurance plans. With strong benefits, flexible plans, and guidance rooted in local experience, PEO4YOU delivers protection that works for every community across Iowa. Our commitment is to help you protect your health, secure your future, and focus on what matters most.
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