Plan Specifications
     WELLFIT WELLNESS Platform - Managed by My Academy of Health Excellence
     PREVENTIVE CARE NETWORK AND SERVICES - Requires use of PHCS network for all services. No cost for preventive services mandated by the Affordable Care Act
     MONEY MANAGEMENT - The HDHP/Basic MEC program permits you to establish a tax-advantaged Health Savings Account (HSA). This is the ONLY plan that allows you to do so. Also, Health Matching Account (HMA) optional.
Partially Self-Directed Healthcare
    Small Medical Expenses - Mitigate using Teladoc™ and Manage with a voluntary Health Savings Account
    Large Medical Expenses -

     Contain with Medical Cost Sharing Powered by Sedera Health
     Medical Cost Sharing Network - Open Access network; can use any provider who accepts cash payment
     Initial Unshared Amount (IUA) Options - Choice of $500, $1000, $1500, $2500, or $5000
     Maximum Number of IUA's Annually - 3 per individual/5 per membership unit
     Prescription Drugs - normal sharing rules apply for curative medications; 120 days for maintenance medications (blood pressure, cholesterol,etc.)
     Pre-Existing Conditions - 36 month look-back: no coverage for 1st 12 months; $15K 2nd year; $30K 3rd year; unlimited thereafter
     Maternity Benefits - $5K IUA for normal deliveries and $7.5K for non-emergency/elective C-sections; conception must have occurred after membership per section 9 of the Guidelines
     Therapies and TMJ - range from $1.5K to $2.5K/Need under Section 8 of the Guidelines
     Psychiatric and Behavioral Health - $5K inpatient maximum/Need; $1.5K outpatient/Need under Section 8 of the Guidelines
     Tobacco Use - $75 surcharge per membership unit. If age 50 or over, $25K sharing restriction for cancer, stroke, heart conditions and COPD
     Sharing Limits - No annual or lifetime limits unless restricted by Sections 8 or 9 of the Guidelines
Enroll Today!
Call 877-734-3884