New BlueCard Program Select WGAT plans now include access to the BlueCard Program, allowing members to receive healthcare services from top providers nationwide. This offers greater flexibility and access to quality care, no matter where members are located. Expanded Free Healthcare Options WGAT now offers a growing number of ways for members to access healthcare services with $0 out-of-pocket costs: • Virtual Doctor Visits with $0 Copay: Care from home, anytime, without extra costs. • Cedar Health and Wellness Centers with $0 Copay: Convenient bilingual primary care services with extended hours. • Mexico Cross-Border Program with $0 Copay: Top-tier medical care available in major border cities in Mexico at no cost to members. • Walmart and Costco Pharmacies with $0 Copay: Tier 1 generic medications can be filled with a $0 copay. $ 0
2024 was another record-breaking year for Pinnacle and Western Growers Assurance Trust (WGAT) providing healthcare solutions to employers in ag. We continue to be the largest provider of health plans tailored for ag employers of all sizes, offering both insured and self-insured medical and pharmacy benefit plans. This year brought improved engagement from our plan members through our work on in-person engagement and the reduction of the cost members pay to access care. We remain committed to quality, affordable healthcare with expanded networks and a personal touch for ag workers. Here are some changes we’ve been working on that are in place now and some enhancements that will take effect in the new year. New Prescription Savings for 2025 Starting Jan. 1, 2025, WGAT members can fill Tier 1 generic medications at over 5,000 Walmart and Costco pharmacies nationwide with a $0 copay – no Costco membership required. Keeping Costs Low While Delivering Big Value While many carriers are raising medical plan rates by double digits, WGAT efforts on driving engagement and affordability have resulted in keeping our costs low, which we directly pass on to our participating employers. Our small employer group rates are averaged between a 0 percent and 3.5 percent increase for January 2025, with some locations even seeing rate reductions. Large employer group accounts saw rate increases averaging 4.5 percent. We are proud to provide competitive rates without sacrificing the quality and range of benefits that the agriculture industry relies on.
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