Sandler · Northwell Direct

Northwell Direct Health Plans for Sandler Businesses

Northwell Direct is a multi-employer health plan with two tiers of coverage: members receive enhanced benefits when using Northwell providers, together with nationwide access through the National Tier 2 PPO. Sandler businesses can choose from three plan options — all with Northwell Tier 1 savings and coast-to-coast coverage.

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Two Networks. One Health Plan.

Every plan option combines direct Northwell savings with nationwide provider access.

Tier 1 — Northwell Direct

Lower deductibles
Lower copays
Reduced hospital cost-sharing
Coordinated care within the Northwell Health system

Tier 2 — National Tier 2 PPO

More than 2 million physicians and providers
Over 95% of physicians nationwide
More than 96% of hospitals across the United States
Thousands of urgent care centers, imaging facilities, and laboratories

Choose the Plan That Fits Your Business

Three Northwell Direct Plan Options

Select a plan to apply. Your selection is carried into the Northwell Direct application.

Ultra Plan™

Maximum Benefits. Lowest Out-of-Pocket Costs.

$0 Ind & Family Tier 1 Deductible

$500 Ind / $2,000 Fam Tier 2 Deductible

Includes

Low physician copays
Reduced specialist costs
Lower hospital expenses
Comprehensive medical coverage
Lower out-of-pocket costs

Best for

Executive benefit packages
Professional firms
Medical practices
Recruitment & retention focused employers
Organizations wanting the richest available coverage

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3K Plan™

The Perfect Balance of Cost and Coverage.

$2,000 Ind & $4,000 Fam Tier 1 Deductible

$3,000 Ind / $6,000 Fam Tier 2 Deductible

Includes

Reduced family deductible
Affordable physician copays
Comprehensive hospital coverage
Excellent value for everyday healthcare

Best for

Small and mid-sized businesses
Growing employers
Companies balancing benefits with cost
Employers seeking predictable spending

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6K Plan™

Affordable Premiums. Broad Healthcare Access.

$5,000 Ind and $10,000 Fam Tier 1 Deductible

$6,000 Ind / $12,000 Fam Tier 2 Deductible

Includes

Reduced Tier 1 deductible vs. Tier 2
Broad Northwell + National Tier 2 PPO access
Lower monthly premiums
Protection against significant medical expenses

Best for

Cost-conscious employers
Businesses transitioning from fully insured plans
Employers seeking lower premiums
Younger or healthier workforces

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Compare the Three Plans

Feature	Ultra Plan™	3K Plan™	6K Plan™
Tier 1 Deductible	$0 Ind / Fam	$2,000 Ind / $4,000 Fam	$5,000 Ind / $10,000 Fam
Tier 2 Deductible	$500 Ind / $2,000 Fam	$3,000 Ind / $6,000 Fam	$6,000 Ind / $12,000 Fam
Out-of-Network Deductible	$1,000 Ind / $2,000 Fam	$6,000 Ind / $12,000 Fam	$9,200 Ind / $18,200 Fam
Max Out-of-Pocket Costs	$6,000 Ind / $18,200 Fam	$7,500 Ind / $18,200 Fam	$9,200 Ind / $18,200 Fam
Tier 1 Primary Care Visit - Injury/Illness	$25 copay/visit	$35 copay/visit	$40 copay/visit
Tier 2 Primary Care Visit - Injury/Illness	$35 copay/visit	$45 copay/visit	$45 copay/visit
Premium Level	$$$	$$	$
Best For	Rich Benefits	Balanced Value	Lowest Premium
Northwell Savings	Excellent	Excellent	Excellent
Nationwide Tier 2 PPO Access	✓	✓	✓

Employers pay a fixed monthly premium, and rates remain fixed through the current plan year with all participating employers renewing together each January. Eligible employer groups can enroll throughout the year, subject to underwriting approval.

Not Sure Which Plan Fits Your Team?

Memberly can help Sandler businesses compare the three Northwell Direct plan options, confirm eligibility, and guide you through the application.

Get Help Choosing a Plan