Strong protection for medical needs with simple, predictable care. Access the nationwide PHCS network with an HSA-qualified design—routine visits stay straightforward with clear copays for primary, specialist, urgent, and preventive wellness services.
Individual rates from $269.00 / month (sample; final group pricing depends on underwriting and census).
Access a wide range of doctors, specialists, and hospitals nationwide through the PHCS PPO network.
Affordable discounted rates on essential medications through the plan’s pharmacy program (per formulary and plan documents).
24/7 virtual telehealth access for convenient care when an in-person visit isn’t required.
Help with in-network care, prescriptions, and benefit questions—our team supports you at enrollment and throughout the year.
Summary for the MVP quoted design. Confirm all limits and exclusions in the carrier summary of benefits and plan document.
| Deductible | $5,000 / $10,000 |
|---|---|
| Max OOP | $9,000 / $18,000 |
| Co-Insurance | 60 / 40 |
| Wellness | $0 |
| Primary care | $50 copay |
| Specialty care | $75 copay |
| Urgent care | $75 copay |
This plan uses the PHCS network, one of the largest provider networks in the country. That gives you access to a wide range of doctors, specialists, and hospitals nationwide—so you are not limited to a small local network. Eligibility and network participation are subject to the carrier directory at the time of service.
Clear sample rates for this tier. Employer groups receive a formal quote based on enrollment and underwriting.
Individual
$269.00
per month
Individual + Spouse
$499.00
per month
Individual + Children
$509.00
per month
Family
$679.00
per month
The MVP plan provides strong protection for medical needs with simple, predictable care. You have access to the nationwide PHCS network and the flexibility of an HSA-qualified design when you pair the plan with a compatible health savings account.
Routine visits are straightforward, including primary care, specialist care, urgent care, and preventive wellness services, subject to the plan document. Enrollment classes typically align with Individual, Individual + Spouse, Individual + Children, and Family. We help you map tiers and contributions during quoting—contact us to proceed; there is no online cart on this site.
Layer supplemental benefits alongside major medical:
This is provided for informational purposes only and constitutes a preliminary proposal for group health plan coverage. It is not a binding contract, nor does it guarantee coverage, eligibility, or final rates.
The policy and pricing outlined herein represent a proposed quote and are subject to final underwriting approval, which will include a review of required health attestations and other relevant documentation. Final terms, rates, and coverage options may differ based on underwriting outcomes.
This quote is intended exclusively for group health plan purposes and is not applicable to individual health insurance. All plan benefits, terms, and conditions are subject to the final policy issued by the carrier.
The issuer reserves the right to amend, modify, or withdraw this proposal at any time prior to formal acceptance and underwriting approval.