ICHRA - Healthcare Choice and Savings

for Employees and Businesses

Individual Coverage Health Riembursement Arrangement

  •  Health insurance costs are soaring
  •  Recruiting and retention challenges are rising
  •  Group insurance plans fail to meet employee needs
  •  ACA mandates are costly eroding employee compensation
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    Looking for a Mighty Good Solution for Employee Benefits ?

    The Most Competitive Group Rates in the Industry

    Coverage TypeAge 20222527Age 30323537Age 3839

    Employee Only

    $165$165$165$170$177$183$193$206$213$220

    Employee & Spouse

    $314$314$314$323$336$350$369$397$411$425

    Employee & 2 Chlidren

    $352$352$352$356$363$370$379$393$399$406

    Family of 4

    $500$500$500$509$523$536$555$583$597$611
    Coverage TypeAge 40424547Age 50525557Age 6063

    Employee Only

    $227 $245 $275 $294 $331 $362 $410 $453 $520 $590

    Employee & Spouse

    $439 $476 $535 $580 $648 $701 $783 $857 $973 $1,094

    Employee & 2 Chlidren

    $419 $432 $461 $481 $517 $548 $596 $639 $706 $776

    Family of 4

    $652 $662 $722 $766 $834 $887 $969 $1043 $1159 $1280

    Preferred Plan Benefits

    Mighty

    WELL Preferred Plan Benefits

    Doctor Visit & Pharmacy Benefit

    • Pays $120 for 18 Visits per Insured per calendar year, includes 6 chiropractor visits
    • Pays $150 for 2 Specialists visits per calendar year
    • Pays Generic Drugs $20 per day Brand Name Drugs $40

    Wellness Preventative Care Benefit

    • Pays $250 For Annual Checkup
    •  Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
    • Pays $160 for X-Rays, Diagnostic and $80 per Labororatory
    • Benefit starts 60 days after policy Effective Date

    Outpatient Surgery Benefit

    • Pays Outpatient Surgical Facility $3,500 under general anesthesia or $1,500 local anesthesia
    • Pays Surgeons and Anesthesiologists based on CPT code (1x, 2x or 3x)
    •  Pays MRI, CAT Scan PET $500 per  

    Inpatient & Hospital Benefit

    • Pays Hospital $4,500 per day for Injury and $3,000 for Sickness- General Room
    • Pays Hospital ICU $4,500 per day for 20 days per calendar year
    • Pays Skilled Nursing Facility $1,500 per day

    Accident & Emergency Benefit

    • Minior Accident Pays up to $4K of Actual Expenses for up to 45 days from the Accident
    • Major Accident Pays by Schedule up to policy Maximum $500,000
    • Ambulance air or ground pays up to $11K of Actual Expenses pe Accident
    • Pays $300 for Urgent or Emergency Care 2 times per year Non-Accident

    Catastrophic Diagnosis Benefit

    • Pays a Lump Sum upon diagnosis up to $40,000 per Adult and $10,000 per Child
    • Pays up to an Additional $250,000 in Actual Treatment Expenses
    • Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant & Renal Failure
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    Doctor Visit & Pharmacy Benefit

    • Choose your Doctor from All US Licensed Physicians
    • Pays $120 for 18 visits per Insured per calendar year, includes 6 chiro. visits - No Deductible or Copay
    • Pays $150 for 2 Specialists visits per calendar year
    • Generic Drugs $20 per day Brand Name Drugs $40 per day

    Preventative Wellness Care Benefit

    • Benefit starts 60 days after policy Effective Date
    • Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
    • Pays Additional $250 for other Preventative Services per calendar year

    Surgery Benefit

    • Pays for Outpatient & Inpatient Surgeries
    • Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
    • Pays Surgeons and Anesthesiologists based on RBRVS code (1x, 2x or 3x)

    Hospital Inpatient Benefit

    • Hospital per day benefit up to $4,500 for Injury and $3,000 for Sickness
    • Hospital ICU benefit up to $4,500 per day for 20 days per calendar year
    • Optional First Hospital Admission $6,350 Lump Sum - per calendar yr, 24 hr stay required

    Accident & Emergency Benefit

    • Minor Accident Pays $4,000 of Actual Expenses for up to 45 days from the Accident
    • Major Accident Pays by policy schedule up to the Maximum of $500,000
    • Ambulance air or ground pays up to $11K of Actual Expenses

    Catastrophic Diagnosis Benefit

    • Pays a Lump Sum upon diagnosis up to $40K per Adult and $10K per child
    • Pays up to $250K Additional for Actual Treatment Expenses per calendar year
    • Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant, Renal Failure

    MightyWELL Partners

    PHCS Extended Network for Additional Savings

    Unlimited Service by Web and Phone 24/7

    Patient Advocate and Bill Negotiation

    Save on Medications, Wellness Adherence Support

    MIGHTYWELL’S PARTNERS

    PHCS Extended Network for Additional Savings

    Unlimited Service by Web and Phone 24/7

    Patient Advocate and Bill Negotiation

    Save on Medications, Wellness Adherence Support

    Our Goal: Save American Business Mighty BIG

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