Looking for affordable health coverage with great benefits?
Our unique and innovative health plans give comprehensive coverage at 30% to 50% less than traditional Affordable Care Act plans. This suite of best-in-class products, when combined, provide the best solution for those seeking individual health coverage.
What is a Fixed Benefit Health Plan?
A fixed benefit health plan provides coverage for in-patient hospital, out-patient surgical, skilled nursing, doctor visits, x-ray labs, prescription drugs, and much more. While you can use any doctor or hospital you choose without penalty, you have the option of accessing the PHCS Multiplan Network to take advantage of great savings at no additional costs.
What is Critical Illness?
Thanks to medical advances more and more people are surviving major catastrophic medical issues such as cancer, heart attack, and stroke. Unfortunately, it places a tremendous financial strain on the family. Critical Illness (CI) coverage protects your financial security and provides benefits for things like deductibles, prescriptions, rehabilitation, treatments not covered by existing insurance, your bills, your expenses, and lost wages.
What is Accident Protection?
Accidents happen when you least expect them— at home, at work, while playing or traveling. Accident coverage provides protection when you need it most but are expecting it the least. Also included is disability coverage to help provide a critical income until you can get back on your feet.
Why do I need Dental / Vision / Hearing Coverage?
Dental insurance is not just important to help you look good, it’s also important for good health. Regular cleanings are also essential to your physical health and quality of life. With Dental/Vision/Hearing plans priced lower than ever before, everyone can afford coverage.
What is Minimum Essential Coverage (MEC)?
Minimum Essential Coverage (MEC) includes preventive and wellness services covered at 100% with no deductible, no co-pay, and no out-of-pocket costs. It provides access to important medical screenings, vaccines, counseling, and more to help you stay healthy. The MEC plan we offer is penalty proof, protecting you from taxation penalties under the Individual Mandate of the Affordable Care Act.
Why do I need Prescription Drug Coverage?
Prescription drugs are the fastest growing costs in health care. Our Prescription Drug plan provides you with unparalleled control to customize coverage that’s right for you.
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*Not all carriers/products available in all states. Please contact us for availability in your state.