Healthcare PlansFor Individuals & Families
Get quality health coverage without the high costs. Our plans offer real savings with comprehensive benefits - see actual pricing below based on your age and coverage needs.
Compare Plans & Pricing
Select your age range and coverage type to see real pricing. All rates shown are actual monthly costs with no hidden fees.
What's Included With Every Plan
All of our individual plans come with valuable benefits to help you manage your health and save money.
PPO Network Access
Access to PHCS or First Health PPO networks with negotiated rates at thousands of providers nationwide.
Telehealth 24/7
Talk to a doctor anytime, anywhere via phone or video. No appointment needed for common conditions.
Prescription Savings
Save up to 80% on prescription medications at over 60,000 pharmacies nationwide.
Preventive Care
Annual wellness visits, screenings, and preventive services to help you stay healthy.
Understanding Your Options
We offer several types of plans to fit different needs and budgets.
Visit Limit
Fixed copays • $0 generic Rx
Our most affordable option with predictable costs. $50 copays for office visits, $0 telehealth, and $0 generic prescriptions. Visit limits apply (10 office visits/year). PHCS PPO network.
- • 10 combined office visits/year
- • $0 generic Rx, $0 telehealth
- • Deductibles from $500-$1,500
Major Medical
Comprehensive • Unlimited visits
Traditional major medical coverage with 20% coinsurance after deductible. No visit limits, lower copays ($25 PCP, $40 specialist). Available on PHCS PPO or First Health PPO.
- • Unlimited annual benefit
- • 20% coinsurance (INN) / 50% (OON)
- • $10 generic Rx copay
First Health PPO
Visit limit • Dialysis covered
Similar to Visit Limit plans but on the First Health PPO network. Includes dialysis and organ transplant coverage. $50 copays, $0 generic Rx, and out-of-network benefits available.
- • First Health PPO network
- • OON: Copay + 10% after deductible
- • $0 generic Rx, $0 telehealth
HSA Compatible
High deductible • Tax advantaged
IRS-qualified high-deductible health plans that pair with a Health Savings Account. $0 preventive care (no deductible), 20% coinsurance, unlimited annual benefit. Available on both networks.
- • $3,500 or $5,000 deductible options
- • $0 preventive care (no deductible)
- • Lower OOP max than Major Medical
Common Questions
How is this different from traditional health insurance?
Our plans are fixed-benefit or limited-benefit plans, not traditional major medical insurance. This means costs are more predictable and significantly lower, while still providing valuable coverage for common healthcare needs and PPO network access.
Can I use any doctor?
Yes! While you'll save the most using in-network providers (PHCS or First Health PPO networks), you can see any doctor you choose. Out-of-network care may have different benefit levels.
Is there a waiting period?
Most plans have no waiting period for accidents and a short waiting period (typically 30 days) for illness. Pre-existing condition limitations may apply for the first year.
How do I enroll?
Enrollment is fast and easy. Call us or complete our online form, and we'll help you select the right plan for your needs. Coverage can start as soon as the first of the following month.
Ready to Start Saving?
Talk to one of our healthcare advisors today. We'll help you find the perfect plan for your needs and budget.
No obligation. Get personalized recommendations based on your situation.