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Your Trusted Partners in Employee Health Benefits
Mikela Aguon HIA, PHIAS
Sales Manager | Guam
Cathy Matsumoto PAHM
Branch Manager | CNMI
Joy Navasca HIA, PHIAS
Account Executive | Guam
Lisa Babin HIA, PHIAS
Account Executive | Guam
Tiara Rasa
Account Support Rep. | CNMI
We Have the Expertise
Our licensed Agents have the expertise to help you find the right plan for your small business!
We Stay Ahead of the Trends
We stay current on health insurance trends to give you the most accurate advice.
We Work with You
We work with you to navigate your healthcare so that you can take full advantage of your benefits.
We Make It Easy
Our team makes it easy to understand and maximize your health insurance benefits.
We work as an extension of your workforce to build a health insurance benefits package that’s right for your small business.
Expert Consultation
Fully-licensed agents with decades of insurance experience.
Support & Resources
Leverage health trends to reach benchmark goals.
High-Touch Service
Dedicated account executives and service representatives.
StayWell Health Insurance Solutions
StayWell offers four types of plans to suit your needs all backed by our proven track record in reliable customer service. All StayWell plans come with preventive care services covered at 100% to help keep you and your employees happy and healthy. Swipe to learn more about StayWell health plans!
StayWell is a Preferred Provider Organization
StayWell is a Preferred Provider Organization (PPO) which means that StayWell Health Plans provide you access to a large network of Participating Providers who provide competitive rates and discounts for your healthcare without having to select a Primary Care Provider (PCP). Meanwhile you’ll still get some coverage at Non-Participating Providers or Out-of-Network providers for select benefits giving you the freedom to choose your doctors.
Included in ALL StayWell Health Plans
- 100% coverage for all covered benefits after you meet your annual out-of-pocket maximum.
- Coverage at Guam Regional Medical City and Guam Memorial Hospital
- Optional Vision & Dental Coverage
- Coverage for Wellness Programs
- 100% Coverage for preventive health services like your annual physical, mammograms, immunization/vaccinations and more!
Refund Plans
Our popular Refund Plans provide you and your employees coverage at 80/20 co-insurance for most services.
Get an Annual Refund!
With StayWell’s one-of-a-kind Refund Plans, your employees can get a refund of their pre-funded deductible at the end of the policy year for taking good care of their health! Talk to a StayWell Account Executive to learn more!
Plan Features
| Service | What you pay |
|---|---|
| Preventive Health Screenings | $0 |
| Doctor's Visits | 20% |
| Labs & X-Rays | 20% up to $20 |
| Hospitalization | 20% |
| Generic & Brand Drugs* | 20% |
*Prescription drug coverage based on StayWell’s Pharmacy Benefits Formulary. Visit https://www.staywellguam.com/health/pharmacy-benefits to learn more about covered prescription drugs included with the StayWell Health Plan.
Co-Insurance Plans
With StayWell’s Co-Insurance plan your employees are covered at 70/30 co-insurance for most services, a more affordable plan that’s especially suited for those who only occasionally use their health insurance.
Affordable Healthcare
StayWell’s co-insurance plans offer great coverage at a competitive price so that you can save money while also enjoying coverage for whatever life may throw at you.
Plan Features
| Service | What you pay |
|---|---|
| Preventive Health Screenings | $0 |
| Doctor's Visits | $30 |
| Labs & X-Rays | $30 |
| Hospitalization | $30 |
| Generic & Brand Drugs* | $30 |
*Prescription drug coverage based on StayWell’s Pharmacy Benefits Formulary. Visit https://www.staywellguam.com/health/pharmacy-benefits to learn more about covered prescription drugs included with the StayWell Health Plan.
Deductible Plans
StayWell’s Deductible plans give you full control over your health insurance premiums by allowing you to determine how much you want to pay before your health insurance applies. Enjoy the same great coverage as our standard health insurance products, but on your terms!
Healthcare On Your Terms
With a deductible health plan your benefits kick in after you reach a certain dollar amount or deductible in healthcare costs, providing you a safety net to protect against the unexpected.
Plan Features
| Service | What you pay |
|---|---|
| Preventive Health Screenings | $0 |
| Doctor's Visits | 20% after deductible |
| Labs & X-Rays | 20% after deductible |
| Hospitalization | 20% after deductible |
| Generic & Brand Drugs* | 20% after deductible |
*Prescription drug coverage based on StayWell’s Pharmacy Benefits Formulary. Visit https://www.staywellguam.com/health/pharmacy-benefits to learn more about covered prescription drugs included with the StayWell Health Plan.
Fixed Co-Payment Plans
With a StayWell Fixed Co-payment plan you and your employees will enjoy fixed rates for specific services such as doctor’s office visits, prescription drugs, laboratory and hospitalization.
Same Price, Every Time
With a fixed co-payment plan you’ll know exactly what you’ll be paying each time you visit the doctor for routine procedures. This means less time budgeting for your healthcare and more time caring for your health.
Plan Features
| Service | What you pay | |
|---|---|---|
| Plan Option | Gold | Gold 12 |
| Preventive Health Screenings | $0 | $0 |
| Doctor's Visits | $8 | $12 |
| Labs & X-Rays | $8 | $12 |
| Hospitalization | $100 | 20% |
| Generic Drugs* | $5 | $5 |
| Brand Drugs* | $10 | $10 |
*Prescription drug coverage based on StayWell’s Pharmacy Benefits Formulary. Visit https://www.staywellguam.com/health/pharmacy-benefits to learn more about covered prescription drugs included with the StayWell Health Plan.
Get Coverage at Major On and Off-Island Providers
StayWell Health Plans are accepted at all major on-island clinics, Guam Memorial Hospital and Guam Regional Medical City. Our on-island provider network along with our expanisve off-island provider network means that you can use your StayWell Health Benefits wherever your health journey takes you while saving money on your healthcare.
ASIA
- Bumrungrad International Hospital
- China Medical University Hospital
- Gachon University Gil Medical Center
- Hong Kong Adventist
- Kameda Medical Center
- Sahmyook Medical Center
- Taipei Medical University Hospital
- Taiwan Adventist Hospital
Philippines
- Asian Hospital and Medical Center
- Cardinal Medical Center
- Chong Hua Hospital
- Diliman Doctors Hospital
- Gan Advanced Osseointegration
- Center (GAOC Dental Center)
- Makati Medical Center
- The Medical City
- The Medical City Clark Inc.
- The Medical City Iloilo
- Philippine Gamma Knife Center
- St. Luke’s Medical Center
CNMI
- Commonwealth Health Center
- Marianas Medical Center
- Pacific Medical Center
- Saipan Health Clinic
- Medical Associates of the Pacific
- Kagman Health Center
Guam
- Adult Health Care Clinic
- American Medical Center (AMC)
- AMC Specialty Clinic
- American Pediatric Clinic
- American Multi-Specialty Group
- Blue Ocean Medical Group (IHP Clinic)
- Center for Women’s Health
- Central Medical Clinic
- Evergreen Health Center
- Express Care Health & Skin Center
- Guam Adult & Pediatric Clinic
- Guam Radiology Consultants
- Guam Seventh Day Adventist (SDA) Clinic
- Hafa Adai Specialist Group
U.S.A.
- Children’s Hospital Los Angeles
- Keck Hospital of USC and USC Norris
- KPC Healthcare Hospital System:
- Orange County Global Medical Center
- Anaheim Global Medical Center
- South Coast Global Medical Center
- Chapman Global Medical Center
- PIH Good Samaritan Hospital
- PIH Health Whittier Hospital
- Providence St. John’s Health Center
- Providence Little Company of Mary
- Medical Center Torrance
- Macklay Healthcare LLC
- PIH Health Downey
- Shriners Hospital for Children
Frequently Asked Questions
- Application for Enrollment
- Request for Information Form
- Eligibility Certificate Form
- Two (2) most recent check stubs (showing number of hours worked) OR Recent Wage and Tax Statement (SWICA)
- Medicare Section 111 Form
- HIPAA Certificate (if applicable)
* Please note additional information may be required
It usually takes 2-3 weeks upon receipt of all completed documents to receive a quote. Missing information or incomplete documents may lead to a delay in your quotation. To learn more about the status of your quotation, please feel free to reach out to your StayWell account executive or the StayWell Sales & Marketing Department at (671) 477 - 5091 ext. 1190.
The cost of health insurance is dependent on several factors including: medical utilization history of your group age, and number of subscribers enrolled in the plan. At StayWell we take careful consideration of all aspects that may affect the overall outlook of the group’s medical costs to determine your health plan premiums.
StayWell takes careful consideration of all aspects of the health history of your group in order to ensure that the health plan is right for you. This process is called medical underwriting. All small business applicants must undergo the medical underwriting process to determine whether the coverage is sufficient, and premiums are sustainable for your small business.