Dependable coverage with balanced costs for everyday care and unexpected medical needs. You have access to the nationwide Cigna and PHCS networks—broad provider choice whether care is local or while traveling.
Individual rates from $659.00 / month (sample; final group pricing depends on underwriting and census).
Access a wide range of doctors, specialists, and hospitals nationwide.
Affordable rates on essential medications through the plan’s formulary and pharmacy network (per plan documents).
24/7 virtual telehealth access for convenient care when an in-person visit isn’t required.
Help navigating in-network care, prescriptions, and common benefit questions—our team works with you at enrollment and year-round.
Summary for the Silver 3.2 quoted design. Confirm all limits and exclusions in the carrier summary of benefits and plan document.
| Deductible | $3,000 / $6,000 |
|---|---|
| Max OOP | $6,000 / $12,000 |
| Co-Insurance | 80 / 20 |
| Wellness | $0 |
| Primary care | $35 copay |
| Specialty care | $55 copay |
| Urgent care | $55 copay |
This plan uses the Cigna network as the primary provider network, with PHCS as a secondary nationwide network. Together they offer access to a wide range of doctors, specialists, and hospitals across the country—so your team is not limited to a small or strictly local network.
Clear sample rates for this tier. Employer groups receive a formal quote based on enrollment and underwriting.
Individual
$659.00
per month
Individual + Spouse
$1,259.00
per month
Individual + Children
$1,189.00
per month
Family
$2,189.00
per month
The Silver 3.2 plan delivers dependable coverage with balanced costs for everyday care and unexpected medical needs. You have access to the nationwide Cigna and PHCS networks, giving you broad provider choice and confidence wherever eligible care is received.
Enrollment classes typically mirror Individual, Individual + Spouse, Individual + Children, and Family. We help you map employee tiers to these rates during quoting—no online cart required; speak with us to lock in eligibility and contribution strategy.
Layer supplemental benefits alongside major medical. Details on each add-on:
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.