Quartz Benefits Health Insurance Plans
Quartz Benefits provides innovative health insurance plans for individuals & businesses in Iowa, Minnesota, & Wisconsin.
All About Quartz Health Insurance
With more than 350,000 customers, Quartz Benefits is one of the fastest-growing insurers in the Midwest. Its network of doctors is also growing. Quartz offers many health insurance plans for individuals, families, groups, and businesses. It also offers Medicare Advantage and Medigap plans.
In addition to many available options, Quartz enrollees can use a sleek, easy-to-use digital tool suite. This includes 24/7 digital support, the myStrength health management app, and an online wellness rewards program.
Quartz Benefits works with the Gundersen Health System. It serves 22 counties in western Wisconsin, northeastern Iowa, and southeastern Minnesota.
View Quartz Insurance Plans & Pricing
What You Get With a Quartz Health Plan
Comprehensive digital health tools
Quartz Benefits members receive access to a set of smartly designed digital health tools, including:
- The myStrength app for stress management and sleep monitoring
- The QuartzWell digital wellness program, offering rewards for staying healthy
- The Thrive app for family planning and childcare resources
- The 24/7 digital support team
Robust coverage options
Quartz Benefits has health plans available for everyone, including individuals, families, groups, and small businesses.
In addition to many ACA-approved plans, Quartz also offers Medicare Supplement and Medicare Advantage plans. It also runs BadgerCare Plus and Minnesota’s state Medicaid program.
Bonus health discount card
Your Quartz Benefits member ID is also a health discount card. It offers savings on acupuncture, massage therapy, LASIK, and prescription glasses.
Top ranking hospitals and doctors
Quartz Benefits operates through the Gunderson Health System, which is home to some of the top-ranked hospitals and doctors in the United States. This includes the University of Wisconsin’s UW Teaching Hospital, which consistently ranks as the best hospital in Wisconsin.
Different Types of Quartz Health Insurance
Small group insurance plans for businesses
Quartz Benefits has a group health plan solution for every organization. Whether you have 5 employees or 500, you can choose small group, large group, or self-funded ASO plans. These plans help simplify administration and lower the cost of employee health coverage.
Individual & family ACA insurance plans
Quartz Benefits offers traditional metal-tier health insurance plans. It also offers high-deductible, HSA-qualified plans. These plans can increase the value of health insurance.
Medicare Supplement & Medicare Advantage plans
Medicare enrollees can customize their Medicare coverage with a Quartz Medigap or Medicare Advantage plan. These supplemental plans cover what Original Medicare does not. They make Medicare easier and more affordable.
Pros & Cons of Quartz Benefits
Here is where Quartz Benefits does well, and where they can do better:
Quartz Benefits Pros
- Provider-owned, not profit-driven: UW Health, Gundersen Health System, and UnityPoint Health–Meriter co-own Quartz. This aligns the company’s priorities with its hospital partners, not outside shareholders. It often means better coordination between your plan and your care team.
- Access to top regional health systems: Quartz members can use nationally recognized providers. These providers are in the Gundersen and UW Health networks.
This includes Wisconsin’s top-ranked UW Teaching Hospital. A clear advantage for anyone living and receiving care in the Midwest.
- Strong digital tools and wellness programs: Quartz members on non-HSA plans have access to the Virtual First program. This benefit covers telehealth, virtual primary care, behavioral health, and urgent care visits at no out-of-pocket cost. Members also have access to the QuartzWell wellness program and the myStrength mental health app.
- Competitive prescription benefits: Quartz Benefits offers ways to lower prescription costs. These include $0 prices on select drugs through the Safe Harbor list. They also include lower copays through the Value Tier Rx program. Members can also take advantage of Choice90, which provides 90-day supplies of eligible maintenance medications.
- Broad plan variety and pricing transparency: Quartz covers individual, family, group, Medicare, and Medicaid members across multiple plan tiers. Customers also appreciate the transparency of Quartz’s website, where detailed plan information and pricing are readily available.
Quartz Benefits Cons
- Limited to three Midwestern states: Quartz only operates in Wisconsin, Iowa, and Minnesota. Members who live outside this region, move away, or travel often for work may find the network limiting. Out-of-network costs can increase quickly.
- Prior approval and claims issues: Some members report prior approval expiring without notice, resulting in unexpected prescription denials. Others had coverage denied by mistake. They had to request reimbursement for services that insurance should have covered.
- Billing and copay concerns: BBB complaints cite instances of disorganized member communications from Quartz. Some members also said providers billed primary care visits at specialist rates. This led to higher copays than expected.
- Limited national reviews: Quartz Benefit has few online ratings. This is because of recent rebranding. It also merged smaller regional companies. This makes it harder to compare with larger national carriers before enrolling.
Bottom line: Quartz Benefits is a strong choice for Midwest residents who want a local insurer. You also get access to top regional health systems. The digital benefits package is truly competitive.
The trade-off is a limited service area and uneven customer support. This is worth weighing, especially if you need ongoing prescriptions or specialist care.
Want help comparing a Quartz health plan to other carriers available in your state? Speak with an HSA for America Personal Benefits Manager at no cost.
Ready to Sign Up with Quartz Benefits?
At HSA for America, we guide you through questions that may arise as you find the right health plan. Our Personal Benefits Managers partner with you. They use all available money-saving tools. Their goal is to help you save as much money as possible.
This professional relationship continues after you secure your health plan. It meets your medical needs and helps you save money.
Frequently Asked Questions About Quartz Health Insurance
Q: What states does Quartz insurance cover?
A: Quartz insurance is a regional carrier serving individuals and families in Iowa, Minnesota, and Wisconsin. It operates through the Gundersen Health System, covering a 22-county area across western Wisconsin, northeastern Iowa, and southeastern Minnesota. If you live outside this region, an HSA for America Personal Benefits Manager can help you research other plans.
Q: What types of plans does Quartz health insurance offer?
A: Quartz health insurance offers many coverage options. These include ACA-approved individual and family plans. It also offers small group plans for businesses with 1–50 employees.
They also offers large group plans for 51 or more employees. And they offers Medicare Supplement and Medicare Advantage plans as well.
High-deductible plans that qualify for a Health Savings Account (HSA) are available. They let members lower premiums and build tax-free savings for medical expenses.
Q: How do I get a quote for Quartz Benefits coverage?
A: You can request an instant online quote for Quartz Benefits through HSA for America. Simply select your state, then click the quote button above. You can also call us at 800-913-0172, or schedule a free consultation with a Personal Benefits Manager. Your PBM will compare Quartz health plans with other carriers to help you find the most affordable option for your needs.
Q: Is a Quartz health plan a good option for small business owners?
A: Yes. The Quartz health plan offers small group coverage for businesses of all sizes. It also includes self-funded ASO options to help lower benefit costs.
Whether you have one employee or fifty, Quartz offers flexible group plan structures and tailors them to your workforce. And HSA for America can walk you through all available options at no cost to you.
Q: What makes Quartz medical insurance different from other carriers?
A: Quartz medical insurance stands out because it works closely with the Gundersen Health System. It includes top-ranked hospitals and doctors in the Midwest. This includes UW Teaching Hospital, often rated the best hospital in Wisconsin.
Members also get a set of digital health tools. These include the myStrength app for stress and sleep. They also include QuartzWell wellness rewards and the Thrive app for family planning resources.
Q: Does Quartz Benefits offer HSA-compatible plans?
A: Yes. Quartz Benefits offers high-deductible health plans (HDHPs) that are fully compatible with a Health Savings Account. Pairing a Quartz HDHP with an HSA lets you save pre-tax dollars for medical costs.
You can pay for deductibles, copays, prescriptions, dental, and vision. This may help lower your overall tax bill. HSA for America specializes in helping members maximize the value of HSA-qualified coverage.
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