Affordable Coverage Combined with Helpful Advocates

Personalized Healthcare

Your Health

Your Doctor

Your Choice

Your Money

Personalized Healthcare

Your Health

Your Doctor

Your Choice

Your Money

Preferred Plan Features

Preferred Plan Features

  •  Outpatient Benefits Deductible – $0 

  •  Inpatient Benefits Deductible – $3,000 

  •  Referenced Based Priced Benefits – 2x CPT

  •  Lifetime Policy Benefit $5 Million

  •  Annual Policy Maximum up to $750,000 

  •  Stable Rates – 3% Annual Increase last 6 years 

  •  Guaranteed Renewal to Age 65

  •  Individuals and Groups Plans Offered

  •  Outpatient Deductible – $0  
  •  Inpatient Deductible – $3K (hospital stay 24hr minimum)
  •  Benefits designed to match medical procedure costs 
  •  Stable Rates – annual increase 3% 
  •  Guaranteed renewal to age 65
  •  Lifetime Maximum $5 Million
  •  For Individuals & Groups  

Preferred Plan Benefits Overview

Preferred Plan Benefits

Doctor Visit & Pharmacy Benefit

  • Benefit Pays $120 for 18 doctor visits per insured per calendar year, includes 6 chiropractor visits
  • Benefit Pays $150 for 2 Specialists visits per calendar year
  • Benefit Pays per prescription Generic Drugs $20 Brand Name $40 

Wellness Preventative Care Benefit

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

Surgery Benefit Outpatient or Inpatient

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

Hospital Inpatient Benefit

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

Accident & Emergency Benefit

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

Catastrophic Diagnosis Benefit

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

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  •  Transparent Reference Based Benefits – Our cost-containment method to assure clients pay clear reasonable prices for  healthcare and medical procedures based on CPT code
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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

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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