indipop News & Information

Emergency Visit: You are responsible for the first $1,000 or $2,500, which counts toward your annual IUA-Initial Unshareable Amount.

Hospitalization: Your Initial Unshareable Amount, or IUA, is the maximum amount you would be responsible for paying out-of-pocket in the event of a major incident. 3 IUA per 12-month rolling period, and anything after would be shared as long as it exceeds $500

Direct Virtual Primary Care: Yes, unlimited visits with the same provider

Urgent Care Visit: Free through telehealth. 

Preventative Care: Connected
includes:

• Preventive mammogram (6 mo. waiting period)
• Immunizations for ages 0-16 (6 mo. waiting period)
• Preventive colonoscopy- (6 mo. waiting period)

Prescription Coverage: Prescriptions for the medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market, and Pharmacy Assistance programs to find the lowest costs for you.

Maternity: One Initial Unshareable Amounts (IUA’s) are applied to a single maternity need. 

Mental Health: Lifeworks
includes:

• no session fees
• phone online and in-person

Pre-Existing Conditions:  24-month look back; no coverage for first 24 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. Exceptions for: Controlled diabetes, hypertension, high cholesterol, seasonal allergies, and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Meets ACA Requirements:  No

• Direct Virtual Primary Care, you can stay with the same virtual provider for unlimited visits. 
• Virtual mental health unlimited sessions

• Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island, and the District of Columbia.

• This plan does not have major medical, hospitalization or preventive care. Please review other indipop plans for a more comprehensive health plan.

• Low monthly cost to have access to health services that are 24/7 

Emergency Visit: You are responsible for first $1,000, which counts toward your annual MRA.

Urgent Care Visit: Free through telehealth.

Network: Open Network, may use in all 50 states at any hospital or provider

Prescription Coverage: Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market and Pharmacy Assistance programs to find the lowest costs for you.

Maternity: Two Initial Unshareable Amounts (or Member Responsibility Amounts) are applied to a single maternity need. Any pre-birth or post birth need of the child will be considered a separate need from the mother’s maternity care.

Mental Health: Yes. Unlimited.

Pre-Existing Conditions: 24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Meets ACA MEC Requirements: No.

Caregiver Network: PHCS

Dental: No.

Vision: No.

Telehealth-24/7 

QR Lifecode
24/7 Emergency Assistance with your Personal LifeCode allowing medical professionals instant access. You select which doctor(s) can view. 

Life Care
Focuses on eliminating many things that compromise productivity or quality of life. Includes substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more!

Has everything the SECURE plan offers except HSA and MEC

• Out of pocket costs for specialists and doctors are your responsibility
• Pre-existing conditions go back 24 months, but if medically managed could be eligible for sharing. 
• Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.

Emergency Visit: You are responsible for first $1,000, which counts toward your annual MRA.

Network:  Open Network, may use in all 50 states at any hospital or provider

Urgent Care Visit: Free through telehealth.  

Prescription Coverage: Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market and Pharmacy Assistance programs to find the lowest costs for you.

Maternity: Two Initial Unshareable Amounts (IUA’s) are applied to a single maternity need. 

Mental Health: Yes. See plan details.

Pre-Existing Conditions: 24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Meets ACA MEC Requirements: Yes.

Dental: No.

Vision: No.

• QR Lifecode: 24/7 Emergency Assistance with your Personal LifeCode allowing medical professionals instant access. You select which doctor(s) can view. 
• Life Care: Focuses on eliminating many things that compromise productivity or quality of life. With licensed professionals for  substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more!
• Care+ includes all the services SECURE offers except HSA and preventive care.

• Out of pocket costs for specialists and doctors are your responsibility
• Pre-existing conditions go back 24 months, but if medically managed could be eligible for sharing. 

Emergency Visit: Counts toward IUA.
Urgent Care Visit: Counts toward IUA.
Prescription Coverage: Helps to find lowest cost.
Maternity: Typical delivery and pre/post natal care is $2,000 out-of-pocket. See pg. 5 of plan details.
Mental Health: Yes. Unlimited virtual.
Pre-Existing Conditions: 12-month look back; no coverage for first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. Exceptions for: Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.
Meets ACA MEC Requirements: All states except New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.
Caregiver Network: See any doctor.

• Not included: Organ Transplant • Specialty Drugs • Dialysis • Skilled Nursing Facility
• Additional Benefits: Employer funded HRA

Emergency Visit:  You are responsible for first $1,000, which counts toward your annual IUA- Initial Unshareable Amount

Hospitalization: Your Initial Unshareable Amount, or IUA, is the maximum amount you would be responsible for paying out-of-pocket in the event of a major incident. 3 IUA per 12-month rolling period and anything after would be shared  as long as it exceeds $500

Urgent Care Visit: Free through tele-health.

Prescription Coverage: Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market and Pharmacy Assistance programs to find the lowest costs for you.

Maternity:One Initial Unshareable Amounts (IUA) are applied to a single maternity need. 

Mental Health: No

Pre-Existing Conditions:  24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Meets ACA MEC Requirements: This program does NOT meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia have passed their own state-level individual mandate laws that mirror the Federal Affordable Care Act. 

Caregiver Network: PHCS 

• Low cost plan for major medical occurrences, example:  surgeries, broken bones or heart attack.

• Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia. 
• This is a basic health plan to have in place for a “what if” I break my leg, contract a dreadful disease or acute condition.  If you are seeking a plan for everyday health and preventive care or additional benefits check out POP Essential.  
• Out of pocket costs for specialists and doctors are your responsibility

Emergency Visit: Counts toward MRA.

Urgent Care Visit: Counts toward MRA.

Prescription Coverage: Helps to find lowest cost.

Maternity: Typical delivery and pre/post natal care is $2,000 out-of-pocket. See pg. 5 of plan details.

Mental Health: Yes. Unlimited consultations.

Pre-Existing Conditions:  12-month look back; no coverage for first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. Exceptions for: Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Meets ACA MEC Requirements: This program does NOT meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia have passed their own state-level individual mandate laws that mirror the Federal Affordable Care Act. 

Caregiver Network: See any doctor.

Dental: Yes. Included in plan, Save 20% to 50% on services

Vision: Yes. Reduced prices and savings.

• Virtual mental health unlimited sessions
• Open network
• 12 chiropractic visits
• This is the only indipop healthshare that the out of pocket costs if eligible goes towards your $3,000 max.

• Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.

• Initiate health needs with app or care logistics number for medical bills to apply to the out of pocket max. The team guides and helps coordinate cost and care with you.

Annual Sharing Maximum: No Cap.

Lifetime Sharing Maximum: No Cap.

Allows HSA: Yes

Preventative Care:  Yes

Prescriptions: Discount prescription card where you can save up to 75% on select prescriptions.

Maternity: One Initial Unshareable Amounts (IUA’s) are applied to a single maternity need. 

Hospitalization: Your Initial Unshareable Amount, or IUA, is the maximum amount you would be responsible for paying out-of-pocket in the event of a major incident. 3 IUA per 12-month rolling period and anything after would be shared as long as it exceeds $500

Caregiver Network: The PHCS/Multiplan network gives you access to one of the largest provider networks in the nation with pre-negotiated savings on your everyday healthcare services

Mental Health: Yes. Lifeworks in person and virtual 

Dental:You may add on dental $40 an individual $75 for a spouse and $120 Family

Vision: You may add Vision $10 individual, $15 spouse, $25 family

• Not included: Organ Transplant • Specialty Drugs • Dialysis • Skilled Nursing Facility
• HSA Qualifications:Must enter an EIN or 1099 number