Individuals/
Families
At Blue Ocean Employer Benefits, we provide an agile alternative to traditional health insurance for individuals, families, and the self-employed that renews month-to-month.
The Ultrio + Zion HealthShare Hybrid provides flexible and unbundled everyday preventive care with protection against major medical events.
And creates total freedom to select any provider for your healthcare, anywhere in the USA, with no network restrictions.
Which Ultrio Membership is Right for You?
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* Preventive Care Plans per the ACA
Need help deciding?
Let's jump on a video call to walk through the options together:
Every Ultrio plan includes the
component for large, unexpected medical needs.
No co-pays, coinsurance, or surprise bills.
Just 75,000+ volunteers contributing to, and sharing each other's large and unexpected direct medical costs in a beautiful,
symbiotic, and reliable community.
These plans are the ideal fit for folks
without pre-existing conditions,
until the age of 65.
IUA = Initial Unshareable Amount
This is the fixed payment per medical event before the community shares
100% of remaining costs.
(Max of 3 IUAs in a rolling 12-month period)
Find Your Fit:
Select protection level, IUA, and age to view your monthly cost:
Ultrio Virtual Plan
For folks who say, "I never go to the doctor", this plan provides fundamental preventive care with solid major medical healthcare protection-- at a budget-friendly premium.
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One annual provider visit per year (paid up to $175.00)
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Direct Primary Care would fill the plan gaps precisely for both the Virtual and HSA plans, check for one near you here.
Ultrio HSA Plan
For those looking for a strategic, long-term health solution, the Ultrio HSA is my top pick. It’s a strong foundation to build on.
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Contribute up to the IRS limit of $4,400/yr/individual or $8,750/family/yr in 2026.
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Those 55 and older can add an additional $1,000/yr "catch-up" contribution into their Health Savings Account.
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HSA funds are tax-exempt, never expire, are transferrable, and can be invested while saved-- growing your savings.
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Option to use HSA to pay for Direct Primary Care memberships & IUAs.
Ultrio Plus Plan
This plan includes primary and specialist care, labs, and urgent care, for members who prefer to use their plan for those.
A reliable option for folks without access to Direct Primary Care.
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Primary Care Visits unlimited up to $200/visit.
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Specialist & Urgent Care Visits unlimited up to $300/visit.
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Labs unlimited up to $100/lab.
Rx Benefits
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All members are sent a digital Rx card
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For one-time type medications (ex. Antibiotics)
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Maintenance medications are set up on home deliver for a 90-day supply.
Dental or Vision Benefits
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Members email PlanstinMembership@Planstin.com
or call (435) 571-0011
to have a quote sent
How do I
use my Ultrio plan?
Utilizing the individual health plans in the Ultrio series is simple and effective. Through transparent and direct pricing, you receive healthcare coordination that advocates for you the way that you would.
This proactive management secures fair-market pricing upfront, creating a sustainable model that drives down your premium costs year over year.
Questions?
109 Hazel Path Ste 5
Hendersonville, TN 37075
615-212-9130
