Nomi’s Direct Network ensures that providers are paid quickly and in full so that employers can offer a rich health benefit that employees can use. Nomi Health presents an opportunity for employees to get health care
- With the same providers, and
- Reduce the deductible to $0, and
- Reduce copays to $0, and
- Pay the same in premiums, and
- Save the College thousands of dollars per year.
Kalamazoo College learned in April 2025 that Nomi is a viable cost saving opportunity for employees and the College because Bronson Healthcare became part of the Nomi network. If Kalamazoo College were to add Nomi to our network, we could hold a special open enrollment in mid-May to allow employees to switch health plans, or make other health plan-related changes. Recognizing that the timing is very tight, your feedback is encouraged.
- Want to review information on Nomi before responding? Great! Jump down to the Information section below.
- Don’t use Bronson for your healthcare needs? That’s ok. Jump down to the Information section below to see the large number of providers in the Nomi network. You could still use a provider not in the Nomi network, which would mean that the current copays, coinsurance, and deductibles would still apply.
Please be invited to provide your thoughts on Nomi by May 9, 2025
so that the College can use your feedback to inform our next steps with Nomi.
Responses are anonymous
Nomi Information
What would be lost and what would be gained by adding Nomi to K’s health plan?
NOTHING would be lost by adding Nomi. Currently, Kalamazoo College uses two networks of healthcare providers – HAP/Physician’s Care and Aetna.
Nomi is another national network that would be added to our current networks. If employees happened to use a Nomi provider, their copays for seeing the doctor would be zero. If employees happened to see a provider that is not part of Nomi, but is part of HAP/Physician’s Care or Aetna, they would have the same copays/coinsurance/deductibles.
Are Bronson-affiliated facilities included in Nomi, such Bronson Orthopedic and Joint Specialists or Bronson Oncology and Hematology?
Both locations of Bronson Orthopedic and Joint Specialists are in Nomi’s network, as is Bronson Oncology and Hematology.
Certain lab/radiology locations are not included in Nomi, including Bronson Advanced Radiology/Lab. You could still go to Bronson Advanced Radiology/Lab, but there may be a copay, coinsurance, and/or deductible, depending on the procedure and which plan (Black or Orange) you are on. However, if you wanted a no-cost solution, you could talk to your doctor about getting your procedure done at Bronson hospital.
Use sample group ID MNCL1 to search the current directory at https://www.nomihealth.com/provider-search.
Nomi Providers as of 4/24/25
Nomi is a nationwide network with approximately 20,000 providers in network with more being added regularly. Use sample group ID MNCL1 to search the current directory at https://www.nomihealth.com/provider-search.
Tier 1 common local providers
Bronson Battle Creek Hospital
Bronson Lakeview Hospital
Bronson Methodist Hospital
Mercy Health St. Mary’s
University of Michigan Ann Arbor
University of Michigan Health System
Tier 2* common local providers
Borgess Hospital
Bronson at Home
Corewell Health Grand Rapids Hospital
Hospice of Greater Kalamazoo
Indiana Center for Recovery South Bend
Kalamazoo Endo Center
Life EMS of Kalamazoo
Mary Free Bed Rehabilitation Hospital
Northwestern Memorial Healthcare
Optimed Infusion Services
Pine Rest Christian Mential Health Services
Surgery Center of Kalamazoo
Woodbridge Center
*All in-network providers through ASR/HAP/Physicians Network not listed in Tier 1
Tier 3
All out-of-network providers from ASR/HAP/Physician’s Network
How would the tiers work?
In today’s network, without Nomi, we have in-network and out-of-network. “In-network” and not Nomi would become Tier 2 and “Out-of-Network” would become Tier 3. Here is a benefits summary.
| Benefits Summary | Tier 1 Nomi | Tier 2 Black Plan | Tier 2 Orange Plan | Tier 3 Black Plan | Tier 3 Orange Plan |
|---|---|---|---|---|---|
| Deductible (Single/Family) | $0/$0 | $1,000/ $2,000 | $0/$0 | $1,500/ $3,000 | $500/ $1,000 |
| Outpatient Co-insurance | 0% | 10% | 0% | 30% | 20% |
| Inpatient Co-insurance | 0% | 10% | 0% | 30% | 20% |
| Coinsurance OOP Max (Single/Family) | $0/$0 | $6,000/ $12,000 | $6,000/ $12,000 | N/A | N/A |
| Preventative Care | $0 | $0 | $0 | 30% | 20% |
| Office Visit Copay | $0 | $25 | $10 | 30% | 20% |
| Urgent Care | Same as Network In/Out | $50 | $20 | 30% | 20% |
| ER Copay waived if admitted | Same as Network In/Out | $150 | $150 | $150 | $150 |
| Current network, without Nomi | N/A | In-network | In-network | Out-of-Network | Out-of-Network |
Claim Pricing Comparison with and without Nomi
These are Kalamazoo College claims that demonstrate how these claims would have been priced if Nomi had been in place when the service was performed.
Office Visit
| Amount Allowed | Member Cost | Plan/College Cost | |
|---|---|---|---|
| Black Plan without Nomi | $140 | $40 | $100 |
| Orange Plan without Nomi | $140 | $8 | $132 |
| Black or Orange With Nomi | $133 | $0 | $133 |
Outpatient Surgery
| Amount Allowed | Member Cost | Plan/College Cost | |
|---|---|---|---|
| Black Plan without Nomi | $12,934 | $1,681 | $11,253 |
| Orange Plan without Nomi | $12,934 | $52 | $12,882 |
| Black or Orange With Nomi | $10,723 | $0 | $10,723 |
Child Delivery
| Amount Allowed | Member Cost | Plan/College Cost | |
|---|---|---|---|
| Black Plan without Nomi | $16,150 | $1,147 | $15,003 |
| Orange Plan without Nomi | $16,150 | $0 | $16,150 |
| Black or Orange With Nomi | $12,306 | $0 | $12,306 |
Monthly Premium Comparison (unchanged from July 2024)
These are the monthly premiums that began in July 2024 and will continue through December 2025. Bi-weekly employees, divide these premiums by 2 to confirm the health insurance deduction per paycheck.
Salary: under $25,000
| Black Plan (Standard/ 90%) | Orange Plan (Premium/ 100%) | |
|---|---|---|
| Single | $35.44 | $148.93 |
| Double | $106.31 | $357.43 |
| Family | $135.32 | $510.32 |
Salary: $25,001 – $50,000
| Black Plan (Standard/ 90%) | Orange Plan (Premium/ 100%) | |
|---|---|---|
| Single | $62.02 | $178.72 |
| Double | $170.10 | $428.92 |
| Family | $212.63 | $579.74 |
Salary: $50,001 – $75,000
| Black Plan (Standard/ 90%) | Orange Plan (Premium/ 100%) | |
|---|---|---|
| Single | $88.60 | $218.43 |
| Double | $255.15 | $524.24 |
| Family | $318.94 | $655.30 |
Salary: $75,001 – $100,000
| Black Plan (Standard/ 90%) | Orange Plan (Premium/ 100%) | |
|---|---|---|
| Single | $115.17 | $248.22 |
| Double | $318.94 | $595.72 |
| Family | $398.68 | $744.66 |
Salary: $100,000+
| Black Plan (Standard/ 90%) | Orange Plan (Premium/ 100%) | |
|---|---|---|
| Single | $159.47 | $317.72 |
| Double | $467.78 | $762.52 |
| Family | $584.73 | $953.16 |
Frequently Asked Questions (FAQs)
Would ASR cover my provider, who is not part of the Nomi network?
Yes. You could still see a non-Nomi provider and ASR would still cover the same amount as if Nomi had never been added. You may have a deductible, copay, and/or coinsurance, just as you would have in January 2025 as an example. Note that Borgess Hospital would be considered a Tier 2 provider.
How would BHS and Nomi work together?
Copays for mental health services would reduce to zero ($0) for BHS providers.
Nomi seems like a great option for employees and the College, but now I am wondering what will happen if I do not use all of my flexible spending dollars by December 31, 2025.
You are able to automatically carryover up to $660 from 2025 into 2026. There is nothing that you need to do to cause the carryover to occur. You can check your flexible spending balance at https://bfgroup.wealthcareportal.com/Page/Home or by logging in to the Acrisure/Burnham & Flower app. The next open enrollment for flexible spending will occur near the end of calendar year 2025 with enrollments effective on January 1, 2026.
Would I be able to use my current ASR health insurance card if Nomi were added?
You would receive a new health insurance card from ASR if Nomi were added.
I have been on the Orange (premium) health plan for years. It seems like I could pay the premiums for the Black (standard) plan but get the same, or better, coverage than the Orange plan. Am I understanding this correctly?
Yes! This is a significant reason why we are bringing this forward now instead of waiting for the usual open enrollment process in November. The idea of saving employees and the College money without sacrificing access to care seems quite valuable.
I have been on the Black (standard) health plan. It seems like I could continue to pay the premiums for the Black plan but get the same, or better, coverage than the Orange (premium) plan. Am I understanding this correctly?
Yes! This is a significant reason why we are bringing this forward now instead of waiting for the usual open enrollment process in November. The idea of saving employees and the College money without sacrificing access to care seems quite valuable.
How is it possible that employees and the College would save money without reducing access to care? This seems too good to be true.
Fair question. A critical eye is important when evaluating an opportunity. In this case, Nomi guarantees 100% payment to providers within two business days. Providers are accustomed to receiving prompt payment from insurance companies, but not necessarily from patients for their share. Consequently, providers are often waiting for long periods of time for payment from patients, and in some cases, never receive payment from patients. Nomi providers are willing to charge less for service in exchange for guaranteed and timely payments.
How would a special open enrollment work? Could I change my vision and/or dental coverage?
A special open enrollment would be held on the HR site, separate from HornetHQ. Employees who want to make no changes could simply ignore the open enrollment email. Employees would be able to make changes to their health plan only, meaning between the Black or Orange plan. Employees could switch between plans and/or change who they are covering. Changes could not be paid to vision, dental, flexible spending, life or accidental death and dismemberment coverage during the special open enrollment period. Changes to these plans could be made during the standard open enrollment period in November.
Still have questions? Please direct them to Renee Boelcke at renee.boelcke@kzoo.edu.