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Chamber Health Plan · Indiana Small Business

ChamberCare MEWA for Indiana small businesses

A chamber-sponsored, self-funded MEWA administered by Indiana-based SIHO Insurance Services, for employers with 2–50 employees. It pools small groups under shared stop loss, runs on SIHO's TruConnect network, and layers in CVS Caremark pharmacy savings, WellBridge surgery, Delta dental and vision, and — new for 2026 — the Healthee AI benefits assistant and Quantify specialty-infusion care. Employee Benefit Solutions helps you decide whether it fits your group.

Request a quote Call EBS: (574) 255-3551

What is the ChamberCare MEWA?

ChamberCare is a self-funded multiple employer welfare arrangement (MEWA) sponsored through participating Indiana chambers and administered by SIHO Insurance Services of Columbus, Indiana. Small employers join a larger pool, sharing risk and stop loss coverage so that a few high-cost claims don't destabilize any one group.

For 2026, the plan is built around three partners: SIHO for medical administration and networks, CVS Caremark for pharmacy, and Delta Dental for dental and vision.

Who may be eligible?

  • Indiana businesses with 2 to 50 employees
  • In good standing with a participating Indiana chamber of commerce
  • Employees averaging 30+ hours per week, past any waiting period
  • Dependents covered to age 26 (with disabled-adult-child continuation)
We can tell you quickly whether your group is likely to qualify — and whether it pencils out against your current plan — before you go through a full quote.

How the networks work

ChamberCare uses a two-tier design: one Indiana network for care at home, and a national wrap network so traveling and out-of-state employees stay covered at in-network levels.

Comparison of the TruConnect (Indiana) and First Health (national) networks
Feature In Indiana — TruConnect Outside Indiana — First Health
Network type Two-tier PPO of Indiana providers plus the Encore Combined Network First Health Wrap, an Aetna affiliate, for a broad national network
Who it's for Employees living and receiving care in Indiana Traveling employees and those living outside the SIHO service area
Major systems included Community Health Network, Riverview Health, IU Health, and more National provider access at the same in-network benefit level
Provider proximity 92% of providers within 10 mi (PCP/specialist), 20 mi (hospitals) of employee ZIPs Nationwide access through First Health/Aetna

SIHO reports the TruConnect network overlaps 92–95% with common Anthem provider lists, so many employees can keep their current doctors. Ask us to check specific providers before you switch.

Plan designs

ChamberCare offers a wide slate of two-tier plan designs meant to line up with the plans many small employers already have — from HSA-qualified high-deductible options to traditional PPO copay plans, with deductibles spanning roughly $500 up to $7,500.

A useful switching detail: if your employees have already met part of their deductible or out-of-pocket maximum this year with another carrier, SIHO will apply that credit when you submit the prior EOB — so mid-year moves don't reset everyone to zero.

What's included

Beyond the medical plan, ChamberCare layers in surgical, dental and vision, virtual care, and — new for 2026 — AI benefits navigation and specialty-infusion programs aimed at lowering member out-of-pocket costs. (Pharmacy has its own section below.)

Healthee — new for 2026

An AI benefits assistant that gives employees digital ID cards, provider and cost-comparison search, and 24/7 telemedicine and teletherapy — one place to understand and use their coverage.

Quantify — new for 2026

Specialty infusion care delivered at home or an alternate site through a URAC-accredited pharmacy, with a 24/7 clinical care team and many therapies at low or no cost to the member.

WellBridge Surgical

All-inclusive, up-front pricing for common outpatient procedures (orthopedics, ENT, general surgery, GI/colonoscopy, and more). PPO members pay $0; HDHP members pay up to the IRS minimum (currently $1,700), with any deductible already met credited toward it.

Dental & vision

Delta Dental plans, using the largest dental network in Indiana, plus vision coverage.

Employee assistance

An EAP offering employees and household members several free, confidential counseling sessions for stress, family, grief, substance use, and life transitions.

Indiana-based service

A dedicated local SIHO service team, expedited claims, and combined monthly invoicing that rolls plan dues and chamber membership into one bill.

The pharmacy stack

Pharmacy is where ChamberCare leans hardest on cost control. Coverage runs through CVS Caremark, then three savings programs sit on top of it:

  • CVS Caremark — broad national retail network plus mail order, with an online portal to manage refills and check costs.
  • ImpaxRx — helps members get high-cost drugs (Enbrel, Humira, Stelara, Harvoni, and similar) free or 40–70% cheaper via manufacturer and cash-price sourcing.
  • Specialty Copay Assistance — enrolls members in manufacturer copay programs, finds generic substitutions, and applies plan-negotiated overrides after the deductible.
  • RxSaveCard — routes members to Mark Cuban Cost Plus Drug Company pricing on hundreds of common medications.

Why employers consider it over ACA plans

  • Shared stop loss and a larger risk pool that protect small groups from claim spikes
  • SIHO positions the MEWA for lower rate volatility and stronger renewal persistency than the small-group ACA market
  • MEWA buying power across many Indiana employers
  • Historically single-digit renewals, per SIHO, versus the double-digit swings common in ACA small group
  • Indiana-based administration, expedited claims, and combined billing

Honest considerations

ChamberCare isn't the right fit for every group. A few things to weigh:

  • Chamber membership is required and billed alongside the plan, plus a per-employee ChamberCare access fee
  • The employer must contribute at least 50% of the employee-only premium
  • Pooling can dampen volatility, but rates are level only within your plan year and still renew based on the pool's experience — like any medical plan
  • Some HDHP designs may not meet Medicare Part D creditable-coverage standards, which matters for employees near 65

How Employee Benefit Solutions helps

We're an independent Indiana brokerage. Our job is to tell you honestly whether ChamberCare beats your alternatives — including other chamber MEWAs like Anthem's Advantage 1 Health — not to push one product. We help you compare it against:

  • Traditional fully insured ACA small-group plans
  • Other MEWA, level-funded, and self-funded options
  • Network fit — whether your employees' doctors and hospitals are in TruConnect
  • Total cost including chamber dues, access fees, and contribution rules
We'll run the network check, model the real all-in cost, and give you a straight recommendation.

Plan documents

Download the current ChamberCare guides for full plan designs, benefits, and details.

2026 Product Guide

Full slate of ChamberCare plan designs, deductibles, and out-of-pocket maximums.

Download PDF

2026 Reference Guide

Networks, pharmacy programs, value-adds, and how-to details for members and employers.

Download PDF

Common questions

Who administers the plan, and who are the partners?
SIHO Insurance Services (Columbus, Indiana, established 1987) is the third-party administrator and network manager. CVS Caremark handles pharmacy, and Delta Dental provides dental and vision. The arrangement is a chamber-sponsored MEWA trust.
Will our employees have to change doctors?
Often not. In Indiana the plan runs on the TruConnect network, which SIHO reports overlaps 92–95% with common Anthem provider lists and includes systems like Community Health Network, Riverview Health, and IU Health. Outside Indiana, the First Health (Aetna affiliate) wrap network covers members at in-network levels. We can verify specific providers before you commit.
Do deductible credits carry over if we switch mid-year?
Yes. If employees have already met part of their deductible or out-of-pocket maximum with a prior carrier this year, SIHO applies that credit once the most recent EOB is submitted (typically within 7–10 business days). That softens the cost of a mid-year move.
What are the costs beyond the medical premium?
In addition to the medical premium, there's a per-enrolled-employee monthly ChamberCare access fee and your chamber membership dues, which SIHO now rolls into one combined monthly invoice. The employer must also contribute at least 50% of the employee-only premium.
How does Medicare coordination work for older employees?
Under Medicare Secondary Payer rules, Medicare is normally secondary to a group plan. But an employer with fewer than 20 employees participating in the MEWA can opt out, so Medicare pays primary for working employees and spouses age 65+. There's a form (processed through the trust's counsel to CMS) to make that election. This is worth reviewing if you have employees near 65.
What surgical and pharmacy savings are built in?
WellBridge Surgical offers all-inclusive pricing on many outpatient procedures — $0 for PPO members, up to the IRS HDHP minimum for high-deductible plans. On pharmacy, CVS Caremark is layered with ImpaxRx, a Specialty Copay Assistance program, and an RxSaveCard tied to Mark Cuban Cost Plus pricing to bring many high-cost drugs to $0 or sharply reduced cost.
What's new on the plan for 2026?
Two upgrades stand out. Healthee is an AI benefits assistant that puts digital ID cards, provider and cost-comparison search, and 24/7 telemedicine and teletherapy in one app, so employees can actually navigate their coverage. Quantify handles specialty infusion care at home or an alternate site through a URAC-accredited pharmacy, with a 24/7 clinical care team and many therapies at low or no cost to the member — which also helps stabilize one of the most volatile cost categories for the employer.

See if the ChamberCare MEWA fits your business

Tell us a little about your group and we'll check network fit, model the all-in cost including dues and fees, and compare it honestly to your other options.

Request a quote Call EBS: (574) 255-3551

This page is provided by Employee Benefit Solutions, Inc., an independent insurance brokerage, for general educational purposes and is not a contract, an offer of coverage, or a guarantee of eligibility, rates, or savings. ChamberCare is a chamber-sponsored MEWA administered by SIHO Insurance Services, with pharmacy through CVS Caremark and dental/vision through Delta Dental. Eligibility, plan designs, networks, rates, fees, participation and contribution requirements, coverage details, limitations, and exclusions are governed solely by the plan and trust documents and are subject to underwriting and program rules. Program and network names are trademarks of their respective owners. Plan details reflect information published in the ChamberCare employer guide and may change; please consult an Employee Benefit Solutions advisor for current details specific to your group, including requirements, coverage limitations, and exclusions.

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