Medical Plan Programs
Your medical plan comes with partners who help you find care, avoid overpaying and manage ongoing conditions — most at no cost to you.
Price protection through Imagine360
Your medical plan has built-in price protection so you do not overpay for care. Rather than using a specific provider network for hospital services, the plan pays providers based on a set price for each medical service. Quantum Health works with Imagine360 to make sure claims do not exceed the plan’s allowable limits.
If a provider sends you a bill that exceeds the out-of-pocket responsibility shown on your Explanation of Benefits, tell your Quantum Health Care Coordinator as soon as possible. They will connect you with an advocacy expert at Imagine360 who works on your behalf to resolve the bill.
What to tell a provider about your coverage
If you are enrolled in a National plan: The National plans do not use a provider network for hospital services, so some providers may not recognize your coverage right away. When you schedule or check in, tell them:
“I don’t have a provider network, but my plan pays providers directly based on fair, industry-standard rates. If you have any questions about billing or need help verifying my benefits, please call the Quantum Health Care Coordinators.”
You can also show your medical ID card — it has everything the provider needs to reach your Care Coordinators.
Preventive care at no cost
Annual medical and dental checkups are covered in full when you use in-network providers. Services include:
- Annual physicals — yearly checkups to assess overall health and catch issues early
- Routine screenings — blood pressure, cholesterol and other age-based tests
- Recommended immunizations — flu, tetanus, Covid and more, based on age and needs
- Well-child check-ups — growth, development and recommended childhood vaccines
- Preventive care — mammograms, prostate exams and other screenings
- Colorectal screenings — colon cancer screenings recommended beginning at age 45
TextCare — free virtual primary care
Text 574-227-5490 to connect with a dedicated provider. Video chat and phone calls are also available. Dexter provides this to your household at no cost, 24/7, for urgent and acute needs, chronic conditions and routine medications.
Your TextCare provider will text or video chat with you to understand your concern and determine next steps, which may include:
- Referring you to your primary care physician or an urgent care for a full examination
- Following up after your visit to check on your condition
- Submitting prescriptions to a pharmacy of your choice
- Reviewing imaging and lab results
- Referring you to high-quality, high-value specialists
TextCare can also complete your annual preventive wellness exam — the one that earns your wellness credit.
Carrum Health — planned surgery and cancer support
If you, your spouse or covered dependents aged 18 and over ever need surgery or cancer care, Carrum connects you with top surgeons and cancer specialists. Covered procedures include knee, hip, shoulder, spine and heart surgeries, and cancer care.
- Cost: employees on a PPO plan access Carrum free of charge. Employees on a CDHP must first meet the IRS minimum deductible, after which coinsurance is waived.
- Required for: bariatric surgery, total joint replacement surgery and spinal surgery. These procedures performed outside Carrum will not be covered.
- Not available on: Local Indiana Parkview plans.
Contact Carrum Health at 888-855-7806 or visit carrum.me/dexter.
Digbi Health — weight, diabetes and digestive health
Access through Quantum Health at 844-460-2840 or DexterHealthHub.com.
Digbi Health supports conditions including obesity, Type II diabetes, hypertension, high cholesterol and digestive health issues, looking at both biological and lifestyle factors. If you qualify you get at-home genetic and gut microbiome testing, a mobile app and lifestyle tracker, plus:
- Meals tailored to your gut and genetics
- Support from prescribing physicians and health coaches
- A 14-day continuous glucose monitor for real-time insights
There is no cost to participate, but you or your covered dependent (age 18+) must be enrolled in a medical plan and meet one of the following:
- BMI of 30 or higher
- BMI of 25–29 with a related health condition
- Type II diabetes
- Ongoing GI issues such as IBS, GERD or NAFLD
Digbi also provides a medically supervised pathway for members interested in GLP-1 medications. GLP-1 medications are paid for by the member.
Contact:
Weight, Diabetes & Digestive Health
Access through Quantum Health
844-460-2840
Related Documents:
Where to go for care
| Option | Format | Cost | Wait | Best for |
|---|---|---|---|---|
| Quantum Health | Phone — 844-460-2840 | No cost | Low | Your first stop for care coordination |
| Telehealth (TextCare) | Virtual | Low | Low | Minor illnesses, prescriptions, limiting exposure |
| Primary care provider | Virtual or in person | Mid | Mid | Preventive care and chronic condition management |
| Urgent care center | In person | Mid | Mid | Conditions needing prompt attention — sprains, stitches |
| Emergency room | In person | High | High | Life-threatening emergencies only |
Connect with a Care Coordinator
Quantum Health can find you a primary care physician, schedule appointments, explain a bill and coordinate care. Available to all Dexter employees.
Wellness credit
Complete an annual preventive wellness exam by September 30, 2027, to receive a credit against your medical paycheck premium in 2028.
| Coverage | Premium credit |
|---|---|
| Employee only | Up to $900 |
| Employee + spouse | Up to $1,800 |
You, and your covered spouse if applicable, must each complete a free annual preventive wellness exam — either in person with your primary care physician or virtually through TextCare at 574-227-5490.
Wellness credit FAQs
What do I need before my appointment?
Know your height, weight, current health status, a list of all medicines you take, your preferred pharmacy, and a list of your care providers.
What happens during the exam?
The doctor asks health-related questions, performs or guides you through a physical exam, answers your questions and gives personalized health recommendations.
Does my spouse need one too?
Yes. If your spouse is covered under your Dexter health plan, they must complete a wellness exam by September 30, 2027, for you to qualify for the full credit.
Will I pay anything?
No, as long as the visit is coded as preventive it is covered at 100%. If blood work is required there may be a cost depending on the tests ordered.