NWPT | PacificSource

Benefit features

No referrals required
No-cost preventive care
On-demand video or phone-based telehealth doctor visits through our provider partners, including Teladoc^®

HSA plans available
Worry-free travel with global emergency medical services from Assist America^®
Centralized HR and benefits services from the Zywave Client Cloud portal

Calendar-year benefits
Optional Vision, Chiropractic, and Orthodontia coverage
All out-of-pocket costs go toward annual limit

Check out our documents and forms for more benefits and plan details.

Plan participation

To participate in one of the NWPT plans, your business must maintain an Associate Agreement with Gossard and Associates. At least two people need to enroll in a group. Domestic Partner Benefits, Acupuncture/Chiropractic Manipulation, and Vision coverage are available to all groups. Dental plans are available to all medical groups and on a stand-alone basis for groups of five or more. Orthodontic coverage is available to groups of ten or more enrolled employees.

2025 Medical Plans

Plan	Deductible	Office visits no deductible, member pays:	Most other services After deductible, member pays:	Summaries without Chiropractic by Network	Summaries with Chiropractic by Network
1000+20-40_30+Rx	$1,000	Primary/Urgent Care: $20* Specialist: $40*	30%	Navigator	Navigator
1000+20-30_20+Rx	$1,000	Primary/Urgent Care: $20* Specialist: $30*	20%	Voyager	Voyager
1500+20-40_30+Rx	$1,500	Primary/Urgent Care: $20* Specialist: $40*	30%	Navigator	Navigator
1500+20-30_30+Rx	$1,500	Primary/Urgent Care: $20* Specialist: $30*	30%	Voyager	Voyager
2000+20-40_30+Rx	$2,000	Primary/Urgent Care: $20* Specialist: $40*	30%	Navigator Voyager	Navigator Voyager
2500+20-40_30+Rx	$2,500	Primary/Urgent Care: $20* Specialist: $40*	30%	Navigator	Navigator
2500+25-50_20+Rx	$2,500	Primary/Urgent Care: $25* Specialist: $50*	20%	Voyager	Voyager
3500+20-40_30+Rx	$3,500	Primary/Urgent Care: $20* Specialist: $40*	30%	Navigator Voyager	Navigator Voyager
5000+25-50_30+Rx	$5,000	Primary/Urgent Care: $25* Specialist: $50*	30%	Navigator Voyager	Navigator Voyager
Core 5000+35-70_50+Rx	$5,000	Primary: $35* Urgent Care/ Specialist: $70*	50%	Navigator Voyager	Navigator Voyager
HSA 3300_20+Rx	$2,800	After deductible, 20%	20%	Navigator Voyager	Navigator Voyager
HSA 4000+Rx	$4,000	Covered in Full	Covered in Full	Navigator Voyager	Navigator Voyager

*Not subject to deductible

2025 Orthodontia Options

Orthodontia 1000

Orthodontia 1500

2025 Vision Option

Vision Plus

2025 Dental Plans

Plan Type	Deductible	Annual max benefit	Preventive services No deductible, member pays	Basic services After deductible, member pays	Major services After deductible, member pays	Plan Summaries
Dental PPO Plus 0-20-50 50-1000	$0	$1,000	Covered in full	20%	50%	Dental PPO Plus 0-20-50 50-1000
Dental PPO Plus 0-20-50 50-1500	$0	$1,500	Covered in full	20%	50%	Dental PPO Plus 0-20-50 50-1500
Dental Choice Plus 0-20-50 50-1000	$50	$1,000	Covered in full	20%	50%	Dental Choice Plus 0-20-50 50-1000
Dental Choice Plus 0-20-50 25-1500	$25	$1,500	Covered in full	20%	50%	Dental Choice Plus 0-20-50 25-1500