Arlo Health Plan Frequently Asked Questions (FAQs)

Arlo is built for groups that deserve better than the status quo. Here's what sets us apart:

Arlo writes aggregate-only policies. We find this article to be very helpful in explaining the benefits of agg-only coverage.

Arlo plan members have access to the Cigna PPO network — one of the largest nationwide networks in the country.

Arlo partners with SmithRx, a fully transparent PBM with no hidden spread pricing. Members can fill prescriptions at major retail pharmacies including CVS, Walgreens, Costco, and Walmart.

Arlo works with Yuzu Health, a tech-forward TPA built for modern self-funded plans. Yuzu powers claims administration, member ID cards, and real-time plan data — so groups always know where they stand.

Every Arlo member has access to a dedicated Member Advocate — a real person who can help with benefits questions, claims, and provider searches. Here's what to expect:

Yes — Arlo Virtual Care is included on all plans at no cost to the member (even folks on HSA-eligible plans). Employees and their dependents get 24/7 access to board-certified doctors for prescription refills and common conditions.

Arlo On-Demand Labs gives every member one complimentary lab test per year — at no cost to them. It's a simple way to empower employees to take a proactive look at their health on their own terms.

Members choose from five panels based on their personal health goals:

Arlo Clear plans simplify the member experience by eliminating deductibles and coinsurance entirely. All in-network services are covered on a copay-only basis — members always know what they'll pay before they go.

Clear plans are a great fit for groups that want to offer rich benefits without asking members to budget for unexpected cost-sharing.