As our fastest-growing plan, Trio HMO aligns with our mission of providing access to high-quality health care at an affordable price.

Trio utilizes unique provider partnerships to help improve levels of care while lowering costs and applies the latest developments in both customer and clinical experience. What’s more, Trio has the highest retention rate of any our plans. 

Tangible benefits for employers   

Trio offers a simple way to maintain a strong benefits program while reducing unnecessary expenses.

  • Lower benefit costs without shifting cost to the employee through higher deductibles and copays
  • Typically lower premiums than our Access+ HMO®, estimated at 12% to 15% less, depending on the region
  • Cost trends lower than our Access+ HMO or full PPO, which can bring stabilization to annual price increases
  • More coordinated care, which can translate to faster returns to work and a higher level of employee wellness and productivity 

Check Trio availability in your area

Trio HMO is a plan that is designed to offer convenience, quality and affordability and comes standard with the following benefits:

  • 360˚ customer service with Shield Concierge
  • $0 24/7 virtual care consults online or by phone with Teladoc
  • $0 virtual mental health support with Teladoc*
  • $0 first visit on-demand doctor house calls with Heal
  • myStrength digital program that helps members deal with stress, anxiety, sleep and more*
  • Extensive pharmacy network that includes major chains
  • Option to self-refer to specialists within the same medical group
  • Access healthy foods at a reduced price with Healthy Savings®
  • Urgent and emergency care coverage worldwide
  • Meal delivery program for qualified patients recovering from serious illness

*Effective with new or renewing 2021 plans


Download the latest Employer/Broker Trio Brochure (PDF, 355KB) to learn about all the benefits Trio can offer large groups and their employees. 

Download the 2021 Trio HMO Network flyer (PDF, 94KB) to view the Trio network and service area.

Trio plans for large groups

The following are 2021 Trio HMO plans available to your clients:

  • Trio HMO Zero Admit 10
  • Trio HMO Zero Admit 20
  • Trio HMO Zero Admit 30
  • Trio HMO Per Admit 10-250
  • Trio HMO Per Admit 25-750
  • Trio HMO Per Admit 40-1000
  • Trio HMO Per Admit 20-500
  • Trio HMO Facility Coinsurance 15-20%
  • Trio HMO Facility Coinsurance 20-20%
  • Trio HMO Facility Coinsurance 25-25%
  • Trio HMO Facility Coinsurance 40-40%
  • Trio HMO Facility Deductible 15-10%/1500
  • Trio HMO Facility Deductible 20-25%/1500
  • Trio HMO Facility Deductible 30-30%/2000
  • Trio HMO Facility Deductible 40-40%/2000
  • Trio HMO Facility Deductible 40-40%/5800
  • Trio HMO Per Day 15-500
  • Trio HMO Facility Deductible 30-10%/1500
  • Trio HMO Zero Facility Deductible 30-20%
  • Trio HMO Per Admit 20-250
  • Trio HMO Per Day 25-750
  • Trio HMO Zero Admit 15
  • Trio HMO Facility Coinsurance 30-30%
  • Trio HMO Facility Deductible 15-10%/250
  • Trio HMO Facility Deductible 15-10%/750
  • Trio HMO Facility Deductible 15-10%/500

Download the benefit summaries for these plans and use the Trio qualification tool to check Trio HMO availability in your area.