Personal Major Medical Health Plans

Before you purchase health insurance, research your options to ensure you choose a company you can count on - one that cares about helping you select the best plan for your situation.

 

 

*Multiple options for copays and deductibles

*Selection of PPO Networks

*Choice of Prescription Drug Benefits

* Personalized customer support by telephone during normal business hours - or 24/7 online access at a time that's convenient for you

 

 

Certain providers, such as radiologists, pathologists, anesthesiologists and assistant surgeons may have relationships with network facilities but are not included in your PPO Network. Understanding that you are not always able to select these providers when admitted to an in-network hospital, Personal Health Plans considers charges for these "forced providers" at the in-network benefit level. The covered charges will be based on usual and reasonable charges if both the hospital and admitting physician participate in your selected PPO network

 

 

Advantage Plan

 

*Provides lower premiums without sacrificing benefits

*Employs two separate out-of-pocket maximums to achieve reduced premiums: one for medical Services and supplies, and a second for outpatient surgical and inpatient confinement

 

Premier Plan

 

*A smart health plan designed to keep premiums low without exposing you to high deductibles

*Covered charges that exceed the daily deductible amount on any given day are covered at 100%

 

High-Deductible Health Plan

 

*A consumer-directed health plan that offers lower premiums and is qualified for use with a health savings account (HSA)

*Achieve premium savings through in-network 100% coinsurance with a single deductible, or choose the in-network 80% coinsurance option for even greater premium savings.

 

Click on the desired plans as listed above for details about each plan. See separate plan overviews for details and outpatient prescription drug options