Monthly Contribution Starts at:
$175
Initial Unshareable Amount (IUA):
$1,000 or $2,500
Annual Out-of-Pocket Maximum:
$3,000 or $7,500 per family
Annual Sharing Maximum: No Cap
Lifetime Sharing Maximum: No Cap
Allows HSA: No
Preventative Care: Yes
Virtual Direct Primary Care: Yes, Akos MD, see the same provider monthly unlimited.
Primary Care Visit: 24/7 tele-health included, the team can help coordinate care.
Specialist Visit: May count towards (IUA) Initial Unshareable Amount
Mental Health Program: Yes
Maternity: Yes
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:
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:
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
Monthly Contribution Starts at:
$45
Primary Care Mobile Doctors: 24/7/365 Board Certified Physicians available with bilingual coverage nationally. Virtual visits can take place either on the phone or through secured video chat.
Mental & Behavioral Health: 24/7/365 licensed mental and behavioral health counselors and therapists available by phone.
Prescription Discount Card: Members save up to 80% on prescriptions at most major retailers.
Coming end of 2021!
LifeVital an app that can take your vitals anywhere anytime
Included in your plan at no extra cost
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Monthly Contribution Starts At:
$165/$395 individual/family
Initial Unshareable Amount (IUA)
$1,000, $2,500, or $5,000 (max 3/year)
Annual Out-of-Pocket Maximum:
$3,000, $7,500, or $15,000
Annual Sharing Maximum: None, unless restricted by pre-existing condition.
Lifetime Sharing Maximum: None, unless restricted by pre-existing condition.
Allows HSA: No
Preventative Care: No
Primary Care Visit: 24/7 tele-health included, the team can help coordinate care.
Specialist Visit: May count towards (IUA) Initial Unshareable Amount
Maternity: Yes
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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
Monthly Contribution Starts at:
$225/$530 individual/family
Initial Unshareable Amount (IUA)
$1,000, $2,500, or $5,000 (max 3/year)
Annual Out-of-Pocket Maximum:
$3,000, $7,500, or $15,000
Annual Sharing Maximum: None, unless restricted by pre-existing condition
Lifetime Sharing Maximum: None, unless restricted by pre-existing condition
Allows HSA: Yes
Preventative Care: Yes. Provides all 64 preventative and wellness services (except for genetic testing), as outlined in the Affordable Care Act (ACA)
Primary Care Visit: 24/7 tele-health included, the team can help coordinate care
Specialist Visit: May count towards (IUA) Initial Unshareable Amount
Maternity: Yes
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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.
Monthly Contribution Starts at:
$175
Initial Unshareable Amount (IUA):
$1,000 or $2,500
Annual Out-of-Pocket Maximum:
$3,000 or $7,500 per family
Annual Sharing Maximum: No Cap
Lifetime Sharing Maximum: No Cap
Allows HSA: No.
Preventative Care: No
Urgent Care Visit: Free through tele-health
Primary Care Visit: 24/7 tele-health included, the team can help coordinate care.
Specialist Visit: May count towards (IUA) Initial Unshareable Amount
Maternity: Yes
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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
Monthly Contribution Starts at:
$319/$899 individual/family
Initial Unshareable Amount (IUA)
$1,000
Annual Out-of-Pocket Maximum:
$3,000 per family
Annual Sharing Maximum: No Cap
Lifetime Sharing Maximum: No Cap
Allows HSA: No
Open Network For Your Provider: Yes!
Preventative Care: Annual Adult Physical & Well Child
Primary Care Visit: $0 unlimited
24/7/365 Virtual Care: Yes, they have their own Care Logistics team with medical staff to provide care.
Specialist Visit: Counts toward Member Responsibility Amount (MRA)
Maternity: Yes
Individual or Family: $3,000 Annual out-of-pocket Max Per Family
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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.
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.
Monthly Contribution Starts at:
$0
Min. Employer Contribution:
$0
Annual Sharing Maximum: No Cap
Lifetime Sharing Maximum: No Cap
Allows HSA: Yes
Preventative Care: Yes
Primary Care and Specialist Visit: Discounted provider network, PHCS
Prescriptions: Discount prescription card where you can save up to 75% on select prescriptions
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.
Mental Health Program: Yes
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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