Secure Plan

 Monthly Contribution Starts at: 
$275 individual

Initial Unshareable Amount (IUA)
$1,000 or $2,500, 

Annual Out-of-Pocket Maximum: 
$3,000 or $7,500

Great For You If:

Want to use your HSA or interested in starting one. Meets ACA requirements. To be eligible for the Secure Plan, you have to have an EIN or 1099 number.

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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.

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.

Caregiver Network: PHCS

Dental: No.

Vision: No.

Plan Highlight
  • 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.
What to consider:
  • 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
  • Part of the PHCS network of doctors, check to see if your doctor is part of this group