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You Have Options

We Have Answers

  • COBRA too expensive?

  • High-priced premiums?

  • High Deductible?

  • Doctors not in network?

  • Turning 26?

  • Expensive Medication?

  • Pricey Max-out-of-pocket?

  • Dissolving a marriage?

  • Stuck in a job?

Private Health Plans

Best-Selling Private Health Plans

Affordable Choice Elite

    First Health PPO Network (Aetna-Owned)

    Enrollment Fee: Zero

    Coverage Per Person: $1 Million

    Deductible: Zero

    Co-Pays: Zero

    Plan Design:

    Budget friendly PPO health plan that delivers national coverage for:
    • Wellness
    • Doctors
    • Urgent Care
    • Surgery
    • Hospitalization
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PSM 250

    PHCS RBP Network

    Enrollment Fee: Zero

    Coverage Per Person: $1 Million

    Deductible: $250

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $50
    • Specialist: $50
    • Urgent Care: $50
    • Emergency Room: $250
    • Outpatient Surgery: $250
  • Co-Insurance: 0% In-Network

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LifeX 250 Silver

    MultiPlan PHCS Extended PPO

    Enrollment Fee: Zero

    Coverage: $1 Million

    Deductible: $250

    Co-Pays:

    • Wellness: $0
    • Primary: $50
    • Specialist: $50
    • Urgent Care: $50
    • ER: $250
    • Surgery: $250

No Co-Insurance: Co-pay only plan: 0% extra in-network—no surprises on covered services.

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LifeX 7250

    Cigna PPO Network

    Enrollment Fee: Zero

    Coverage: Unlimited

    Deductible: $7,250

    Max OOP: $9,200

    Co-Pays:

    • Wellness: $0
    • Primary: $25
    • Specialist: $40
    • Urgent Care: $60
    • Chiropractor: $30

    *Above Co-pays are first-day. No need to satisfy a deductible to utilize the above co-pays.

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GIGCARE 7350

    Blue Cross Blue Shield EPO Network

    Enrollment Fee: Zero

    Max Out-of-Pocket: $9,200

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $25
    • Specialist: $40
    • Urgent Care: $100
    • Mental Health Therapy: $25

    *No deductible is required to utilize the above co-pays

Working Owner Flyer
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GIGCARE 2500

    Blue Cross Blue Shield PPO Network

    Enrollment Fee: Zero

    Max Out-of-Pocket: $7,350

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $25
    • Specialist: $40
    • Urgent Care: $60
    • Mental Health Therapy: $25

    *No deductible is required to utilize the above co-pays

Working Owner Flyer

Frequently

Asked Questions

This refers to the kind of health services and treatments you anticipate requiring, which could range from general medical care to specialized treatments or preventive services.

What type of coverage do I need?

At First Health, we are the experts at reducing your monthly premium by tailoring each plan to your specifics needs.

What is the monthly premium?

The monthly premium varies based on the policy type, but it's also influenced by personal factors like age, health status, and geographical location.

What is the deductible?

At First Health, we offer several plan options with ZERO deductible, ensuring your health plan begins to contribute on day one.

What is a Co-Pay?

This is the fixed amount you pay for each doctors visit. Ask us which plans have no co-pays to reduce your out of pocket expenses.

Are my current doctors in-network?

At First Health, we recognize how crucial it is to retain your present healthcare providers. That's why we offer a variety of Preferred Provider Organization (PPO) networks, giving you the freedom to choose the option that best suits your healthcare needs and preferences.

Is an HMO bad?

An HMO stands for a Health Maintenance Organizations (HMO) and coverage typically is restricted to your residential county. If you travel with an HMO, expect to be out of pocket for unexpected illness and accidents.

What is a PPO?

A PPO stands for a Preferred Provider Organization (PPO) and consists of a large network of contracted physicians and facilities. A PPO network reduces out of pocket costs by limiting both the physician’s and facilities fee for service.

Does the plan cover medications I currently take?

At First Health, we pride ourselves on exceptional customer service. Our team of dedicated agents will assist with navigating the realms of prescriptions so you dont have to.

Does the plan offer preventative and/or Wellness care?

Yes, every plan provided by First Health includes preventative care benefits, designed to help monitor and maintain your health and wellbeing.

What is the policy for referrals to specialists?

At First Health, we've removed the need for referrals to specialists, so you can access the care you deserve more directly and with less hassle.

Does the plan include dental and vision coverage?

First Health offers dental and vision coverage as optional add-ons to all of our plan options.

What are the terms for pre-existing conditions?

Some plans have specific terms or waiting periods for pre-existing conditions, while others do not.

Does this coverage represent a 'short-term' commitment or is it 'guaranteed renewable'?

At First Health, all of our plans are guaranteed renewable until age 65. Beware of choosing a short-term plan where you may be dropped when you need coverage the most.

Will your agent provide ongoing assistance throughout the duration of your policy, or will you be directed to a general customer service team for inquiries?

At First Health, each policy comes with a dedicated agent who provides consistent, personalized support throughout the life of the policy, ensuring tailored service and expert guidance for all your insurance needs.

Full Healthcare Solutions

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