Healthcare Plans Reimagined
When it comes to affordable quality healthcare choices, we put our members first. We deliver the right care at the right time for the best price for our members.
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Affordable care
Our plans provide maximum healthcare at minimal cost
Modern Plan
Choices
We offer a variety of virtual and in-person plans to choose from
Member-centric care
Our plans were created to provide our members with optimal health and wellness
Enroll anytime
Enroll by the 20th and benefits begin the 1st of the following month
Getting Started
Choose your plan
Click on "Get Started" button to enroll
Understand your benefits and how to utilize them
Engage your primary care doctor
Coordinate your care
Check out our plans
Virtual Plans
Total healthcare solutions that bundle technology with innovative benefits
Unlimited Open
Network Plan
This plan includes all of the benefits of Virtual / Direct plans with an expanded network of doctors
Virtual Plans
Personalized affordable high-quality total healthcare solutions that bundle technology and modern medicine with innovative benefits
- Affordable and easy to use
- Personalized care 365/24/7
- Enroll anytime via secure member portal
- Includes lab/imaging discounts, pharmacy, and mental health
- Unlimited access to dedicated primary care doctor and care coordinator
- No virtual primary care copay, deductible, or coinsurance
- Universal acceptance regardless of preexisting conditions
- Optional worldwide emergency, surgery, and hospitalization protection
As low as $95 per month
Basic Virtual
This affordable health plan provides 24/7 on demand access to your own dedicated virtual primary care physician and care coordinator with lab/imaging discounts, pharmacy, mental health, and personalized care plan.
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
As low as $373 per month
Virtual
This plan features the benefits of the Basic Virtual plan, PLUS Worldwide emergency, surgery, and hospitalization cost protection.
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
PLUS
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
As low as $410 per month
Virtual Plus+
This plan features the benefits of the Virtual plan PLUS additional wellness benefits for colonoscopy, mammogram, immunizations, and an outside visit to a provider.
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
PLUS
- Mammogram
- Colonoscopy
- Immunizations up to age 16
- One outside visit to a provider
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
PLUS
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated virtual primary care doctor and care coordinator
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
PLUS
- Mammogram
- Colonoscopy
- Immunizations up to age 16
- One outside visit to a provider
*These Virtual Plans are NOT insurance and do not meet the minimum Affordable Care Act (ACA) preventative services requirements
*Medical cost sharing membership guidelines and pre-existing conditions phased in benefits apply
Experience healthcare a better way!
Complete by the 20th of the month and benefits will begin the first day of the following month
Direct Plans
These are comprehensive plans with both virtual and in-office unlimited dedicated primary care
- Affordable and easy to use
- Personalized care available 365/24/7
- Enroll anytime via secure member portal
- Includes lab/imaging discounts, pharmacy, and mental health
- Dedicated doctor and care coordinator
- Unlimited access to a dedicated primary care doctor both in-office and virtual
- Universal acceptance regardless of preexisting conditions
- Optional Worldwide emergency, surgery, and hospitalization protection
As low as $425 per month
Direct
This plan includes unlimited virtual care around the clock and a dedicated physical doctor and provides pharmacy, lab, imaging, mental health/ wellness, and Worldwide emergency, surgery, and hospitalization cost protection.
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated primary care doctor both in-office and virtual
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
As low as $465 per month
Direct Plus+
This plan features the benefits of the Direct Plan PLUS additional wellness benefits colonoscopy, mammogram, immunizations, and an outside visit to a provider.
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated primary care doctor both in-office and virtual
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
PLUS
- Mammogram
- Colonoscopy
- Immunizations up to age 16
- One outside visit to a provider
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated primary care doctor both in-office and virtual
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
- No network required
- No virtual primary care copay, deductible, or coinsurance
- Unlimited access to a dedicated primary care doctor both in-office and virtual
- Specialists and medical facility care coordination
- Pharmacy with generic and formulary copay
- Lab, imaging, and radiology with significant national discount
- Member assistance and mental health up to 8 paid sessions
- Secure and private self-service member portal
- Worldwide care with language translation
- Online member support
- Worldwide services with language translation
- Worldwide medical cost share with three Initial Unshareable Amount (IUA) options per year per household for: Emergency, Surgery/Specialists, Hospitalization, and Medical Needs
PLUS
- Mammogram
- Colonoscopy
- Immunizations up to age 16
- One outside visit to a provider
*These Direct Plans are NOT insurance and do not meet the minimum Affordable Care Act (ACA) preventative services requirements
*Medical cost sharing membership guidelines and pre-existing conditions phased in benefits apply
Experience healthcare a better way!
Complete by the 20th of the month and benefits will begin the first day of the following month
Need an Affordable Care Act (ACA) Compliant Plan?
Unlimited Open Network Plan
As low as $519 per month
Our comprehensive Unlimited Open Network Plan provides unlimited access to Telemedicine in combination with a PPO copay for in-office primary care and specialist physician visits with the option to see any provider out-of-network at a special rate. Unlimited Open Network Plan is compliant with Part A of the Affordable Care Act (ACA).
- In-office primary care provider & specialist copay network
- 100% coverage for preventative services as outlined by the Affordable Care Act
- Designated care navigator
- Unlimited telemedicine 24/7/365 - $0 copay for general medical visits via Teladoc
- Enroll or change plans by the 20th to be effective the 1st of the following month
- Includes pharmacy, lab, imaging, and mental health / wellness
- Specialists and medical facility care coordination
- Secure and private self-service member portal
- Universal acceptance regardless of pre-existing conditions
- Emergency, surgery, and hospitalization cost protection
- Mammogram, colonoscopy, and immunizations up to age 16
- One free outside visit to provider
- Worldwide services with translation
- Compliant with Part A of the Affordable Care Act (ACA)
Experience healthcare a better way!
Complete by the 20th of the month and benefits will begin the first day of the following month
Frequently Asked Questions
Enrollment is always open. Enroll by the 20th of the month and benefits begin on the first day of the following month.
We offer Virtual and In-Person plans. We also have plans that are ACA Compliant. Review our plans here and contact us for more information.
Some Pre-existing conditions have a waiting or phase in period. We attempt to negotiate all medical bills received and many membership types include the PHCS network for pre-negotiated medical expenses. See plan details for more information.
The Unlimited Open Access Plan is compliant with Part A of the Affordable Care Act. The Virtual and Direct Plans are not insurance and are not ACA compliant.
A membership-based non-insurance arrangement established for the purpose of sharing legitimate healthcare expenses between members. An IUA is the amount paid by the Member before the community shares in Medical Expenses. Member households that experience multiple needs within a 12-month rolling membership year are asked to pay up to three Initial Unshareable Amounts per year.
Contact us if you have any additional questions.
