Tres Core $0 RBP
AveNew is committed to helping working families get access to real, affordable healthcare. We searched the market for a major medical plan that offers strong benefits at a price employees can realistically afford. Tres stood out because their “Core $0 RBP” plan is simple to use, provides meaningful coverage, and supports the everyday healthcare needs of employees and their families. AveNew chose this plan so you can have a reliable option for real medical protection.
The Tres plan offers features that matter, such as a zero-dollar deductible, low copays, maternity care, and no cost preventive medications. It provides coverage for everyday medical needs as well as more serious health issues. You will also have access to TRESTECH, a simple phone app where you can view your ID card, check your claims, track your medical costs, and start a telemedicine visit whenever you need to.
AveNew has bundled the Tres plan with MyEssential Care, which pays direct benefits for ambulance rides, ER visits, critical illnesses, and accidents. These payments help cover out of pocket costs that insurance doesn’t cover and gives you extra protection when unexpected health needs come up. And for employees who qualify for HealthCues, there are additional direct benefits, plus 200 medications for free.
Click here for details on MyEssential Care benefits.
Click here for details on HealthCues benefits.
Enrollment closes Dec. 19. Enroll now!
Note: A minimum of ten (10) enrolled participants per company are required.
Overview of Plan Benefits
Plan: Tres Core $0 RBP
Network: PHCS & RBP
Deductible (Individual/Family): $0/$0
Max Out-of-Pocket (Individual/Family): $9,100/$18,200
Preventive Care | ||
|---|---|---|
Routine Well Care – Non-Hospital Based
| No | No Cost
|
Physician Services | ||
|---|---|---|
Primary Care Visit (In-Person & Virtual)
This is the encounter fee only. | No | $25 Copay/visit (8 per year) |
Specialist Visit (In-Person & Virtual)
This is the encounter fee only. | No | $50 Copay/visit (8 per year) |
Other Services Performed in the Physician’s Office
(In addition to office visit copay.) | No | $50 Copay/visit |
Telemedicine Services w/ MDLive | No | No cost |
Diagnostic Services and Supplies | ||
|---|---|---|
Diagnostic Testing (Lab & Radiology) – Non-Hospital Based | No | MedMo: $0 Copay/test | Outside MedMo: $350 Copay/test (1 per year) |
Diagnostic Testing (Lab) – Hospital Based
(Hospital-based radiology is not covered.) | No | $150 Copay/test* (1 per year) |
Diagnostic Testing (Advanced Imaging) – Non-Hospital Based
(Hospital-based advanced imaging is not covered.) | Yes | MedMo (Radiology Only):$0 Copay/test | Outside MedMo:$50 Copay/test (3 per year) |
Emergency Services | ||
|---|---|---|
Emergency Services | No | $750 Copay/visit* (1 per year) |
Ambulance Services (Ground ambulance only.) | No | $500 Copay/trip (1 per year) |
Urgent Care | No | $75 Copay/visit (2 per year) |
Inpatient Services | ||
|---|---|---|
Inpatient Services | Yes | $750 Copay/admission* (5 days per year) |
Inpatient Professional Services | Yes | $350 Copay/admission* |
Inpatient Surgery | Yes | Included in the Inpatient Services Copay* |
Includes anesthesia when Medically Necessary. | (1 per year) |
Outpatient Services | ||
|---|---|---|
Outpatient Services or Surgery – Non-Hospital Based
(Includes anesthesia when Medically Necessary.) | Yes | $350 Copay/visit (1 per year) |
Outpatient Services or Surgery – Hospital-Based
(Includes anesthesia when Medically Necessary.) | Yes | $750 Copay/visit* (1 per year) |
Therapy Services | ||
|---|---|---|
Applied Behavioral Analysis | No | $75 Copay/visit (8 per year) |
Cardiac Rehabilitation | Yes | X |
Chiropractic Care | No | $75 Copay/visit (8 per year) |
Occupational, Physical & Speech Therapy | Yes | $75 Copay/visit
(8 combined per year) |
Other Medical Services | ||
|---|---|---|
Diabetic Supplies
(Glucose monitors must be obtained through Connect DME.) | No | X |
Durable Medical Equipment (DME)
(CPAP only and must be obtained through Connect DME.) | No | X |
Home Health Care | Yes | $50 Copay/visit (10 per year) |
Sleep Studies (Home) | Yes | X |
Prescription Drug Benefits | ||
|---|---|---|
Preventive Drugs | N/A | $0 Copay/drug |
Tier 1 Drugs | N/A | $10 Copay/drug |
Tier 2 Drugs | N/A | X |
Tier 3 Drugs | N/A | X |
Mail Order Option – 90 Day Supply | ||
|---|---|---|
Tier 1 Drugs | N/A | $30 Copay/drug |
Tier 2 Drugs | N/A | X |
Tier 3 Drugs | N/A | X |
IMPORTANT INFORMATION REGARDING REIMBURSEMENT RATES FOR MVP OPTIONS
This Plan does not use a participating provider organization (PPO) for facility services; therefore, claims for facility services, and non-network services (as indicated with an asterisk (*) in the Medical Benefits Schedule) are paid at reference-based pricing. See the definition of Reasonable and Allowed Amount in the Plan Document for additional information regarding reference-based pricing and other reimbursement methodologies.
Click here for a full Summary of Benefits and Coverage.
2026 TRES PLAN WEEKLY RATES
Employee only: $118.68
EE + Spouse: $220.41
EE + Children: $198.92
Family: $280.30
Enroll Here
Enrolling is simple – just click the button below to get started. If you have questions or need help, call or text AveNew Healthy Benefits at (213) 908-1098 or email us at benefits@healthyavenew.com.
The last day to enroll for 2026 is December 19, 2025.
NOTE: The company may pay part of the cost for employee-only coverage. Under Affordable Care Act rules, the cost of employee-only coverage cannot be more than a set percentage of an employee’s household income (9.96% for 2026). This rule applies only to full-time employees working an average of 30 hours per week or more. The employer must contribute enough toward the premium so the full-time employee’s share stays below that amount.