Fage Financial — Find health coverage that fits

Fage FinancialHealth plans for individuals, families and groups

✆ (845) 499-2255 ✉ info@fagefinancial.com

Fage Financial · (845) 499-2255

Showing 64 of 64 plans · Member, age not set

Major Medical & HSA Plans

DiamondCigna PPO Network

Member

$873/mo

community rated

Member + Spouse

$1,372

Member + Child

$1,243

Family

$1,687

Enroll by the 20th for a 1st-of-next-month start

Deductible

Out of pocket

$6,000

Doctor visit

$25

Deductible$0 / $0Individual / Family
Max Out of Pocket$6,000 / $12,000Individual / Family
Copay$25 / $50 / $50PCP / Specialist / Urgent Care
Coinsurance30% after deductible
ER30% coinsuranceAfter deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

PlatinumCigna PPO Network

Member

$1,003/mo

community rated

Member + Spouse

$1,632

Member + Child

$1,563

Family

$2,993

Enroll by the 20th for a 1st-of-next-month start

Deductible

$250

Out of pocket

$1,250

Doctor visit

$25

Deductible$250 / $500Individual / Family
Max Out of Pocket$1,250 / $2,500Individual / Family
Copay$25 / $45 / $45PCP / Specialist / Urgent Care
Coinsurance20% after deductible
ER20% coinsuranceAfter deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

HSA 9000Cigna PPO Network

Member

$426/mo

community rated

Member + Spouse

$589

Member + Child

$549

Family

$789

Enroll by the 20th for a 1st-of-next-month start

Deductible

$9,000

Out of pocket

$10,100

Doctor visit

30% after ded.

Deductible$9,000 / $18,000Individual / Family
Max Out of Pocket$10,100 / $20,200Individual / Family
CopayNo copaysDeductible first, then coinsurance
Coinsurance30% after deductible
ER30% coinsuranceAfter deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

HSA 6000Cigna PPO Network

Member

$640/mo

community rated

Member + Spouse

$1,012

Member + Child

$889

Family

$1,340

Enroll by the 20th for a 1st-of-next-month start

Deductible

$6,000

Out of pocket

$7,000

Doctor visit

30% after ded.

Deductible$6,000 / $12,000Individual / Family
Max Out of Pocket$7,000 / $14,000Individual / Family
CopayNo copaysDeductible first, then coinsurance
Coinsurance30% after deductible
ER30% coinsuranceAfter deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

SilverCigna PPO Network

Member

$674/mo

community rated

Member + Spouse

$1,067

Member + Child

$945

Family

$1,413

Enroll by the 20th for a 1st-of-next-month start

Deductible

$5,000

Out of pocket

$8,700

Doctor visit

$40

Deductible$5,000 / $10,000Individual / Family
Max Out of Pocket$8,700 / $17,400Individual / Family
Copay$40 / $80 / $60PCP / Specialist / Urgent Care
Coinsurance30% after deductible
ER30% coinsuranceAfter deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

BronzeCigna PPO Network

Member

$544/mo

community rated

Member + Spouse

$856

Member + Child

$753

Family

$1,134

Enroll by the 20th for a 1st-of-next-month start

Deductible

$8,000

Out of pocket

$8,700

Doctor visit

$50

Deductible$8,000 / $16,000Individual / Family
Max Out of Pocket$8,700 / $17,400Individual / Family
Copay$50 / $120 / $100PCP / Specialist / Urgent Care
Coinsurance30% after deductible
ER$500 copayThen 30% coinsurance after deductible
EligibilityEmployer sponsoredOffered through your employer

Enroll

GoldCigna PPO Network

Member

$941/mo

community rated

Member + Spouse

$1,493

Member + Child

$1,309

Family

$1,981

Enroll by the 20th for a 1st-of-next-month start

Deductible

$3,000

Out of pocket

$8,700

Doctor visit

$35

Deductible$3,000 / $6,000Individual / Family
Max Out of Pocket$8,700 / $17,400Individual / Family
Copay$35 / $55 / $55PCP / Specialist / Urgent Care
Coinsurance20% after deductible
ER$500 copayDeductible does not apply
EligibilityEmployer sponsoredOffered through your employer

Enroll

Cigna Ultra 3000 PPOCigna PPO Network

Member

$1,074/mo

App fee: $125

Member + Spouse

$1,963

Member + Child

$1,744

Family

$2,591

Deductible

$3,000

Out of pocket

$9,200

Doctor visit

$30

Deductible$3,000 / $6,000Individual / Family (in-network)
Max Out of Pocket$9,200 / $18,400Individual / Family (in-network)
Office Copays$30 / $60PCP / Specialist
Coinsurance30% after deductibleOut-of-network: 40%
X-Ray & Bloodwork$30 copayIn-network
Advanced Imaging30% after deductibleCT / MRI / PET
Emergency Room30% after deductible
Urgent Care$60 copayIn-network
Application Fee$125 / one-time

Enroll

AGA Cigna PPO 5000Cigna PPO Network

Member

$925/mo

App fee: $95

Member + Spouse

$1,800

Member + Child

$1,543

Family

$2,246

Enroll by end of month for a 1st-of-next-month start

Deductible

$5,000

Out of pocket

$8,150

Doctor visit

$20

Deductible$5,000 / $10,000OON: $10,000 / $20,000
Max Out of Pocket$8,150 / $16,300OON: Unlimited
Copay$20 / $60 / $20PCP / Specialist / Urgent Care
Coinsurance30% after deductibleOON: 50% after deductible
Emergency RoomDeductible & coinsurance
X-Ray & BloodworkDeductible & coinsurance
Child Eye Exam & DentalNo charge in-network
Application Fee$95 / one-time

Enroll

AGA Cigna PPO 3000Cigna PPO Network

Member

$1,145/mo

App fee: $95

Member + Spouse

$2,304

Member + Child

$1,953

Family

$2,897

Enroll by end of month for a 1st-of-next-month start

Deductible

$3,000

Out of pocket

$8,150

Doctor visit

$40

Deductible$3,000 / $6,000OON: $6,000 / $12,000
Max Out of Pocket$8,150 / $16,300OON: Unlimited
Copay$40 / $60 / $40PCP / Specialist / Urgent Care
Coinsurance30% after deductibleOON: 40% after deductible
Emergency RoomDeductible & coinsurance
X-Ray & BloodworkNo charge in-network
Child Eye Exam & DentalNo charge in-network
Application Fee$95 / one-time

Enroll

Anthem EPO 700Anthem / Blue Cross Blue Shield · Anthem BlueCard PPO

Member

$1,482.95/mo

Annual fee: $95

Member + Spouse

$2,965.90

Member + Child

$2,589.70

Family

$3,928.25

Enroll by end of month for a 1st-of-next-month start

Deductible

$700

Out of pocket

$6,600

Doctor visit

$45

Deductible$700 / $1,400OON: Not Covered
Max Out of Pocket$6,600 / $13,200OON: Not Covered
Copay$45 / $45 / $45PCP / Specialist / Urgent Care
Coinsurance20% after deductible
Emergency Room$150 copayWaived if admitted
Annual Administration Fee$95 / year

Enroll

Oxford Freedom Platinum EPOOxford / United

Member

$1,886.77/mo

App fee: $75

Member + Spouse

$3,735.14

Member + Child

$3,186.66

Family

$5,287.34

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$3,250

Doctor visit

$20

Deductible$0No deductible
Max Out of Pocket$3,250 / $6,500OON: Not Covered
Copay$20 / $40 / $50PCP / Specialist / Urgent Care
Coinsurance0%No coinsurance
Emergency Room$250 copayIn & out of network
Hospital Admission$400 copayPer admission
ReferralsNot Required
DependentsTo Age 26
CoverageNationwide
Application Fee$75 / one-time

Enroll

Oxford Liberty Gold EPOOxford / United

Member

$1,519.29/mo

App fee: $75

Member + Spouse

$3,000.18

Member + Child

$2,561.40

Family

$4,235.35

Enroll by end of month for a 1st-of-next-month start

Deductible

$1,800

Out of pocket

$8,000

Doctor visit

$30

Deductible$1,800 / $3,600OON: Not Covered
Max Out of Pocket$8,000 / $16,000OON: Not Covered
Copay$30 / $60 / $75PCP / Specialist / Urgent Care
Coinsurance30% after deductible
Emergency Room$500 copayIn & out of network
Hospital Admission30% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwide
Application Fee$75 / one-time

Enroll

450A Oxford Freedom Gold PPOOxford / United · Oxford Freedom Network

Member

$1,789/mo

Annual fee: $95

Member + Spouse

$3,536

Member + Child

$3,025

Family

$4,744

Enroll by end of month for a 1st-of-next-month start

Deductible

$1,500

Out of pocket

$7,250

Doctor visit

$25

Deductible$1,500 / $3,000OON: $4,000 / $8,000
Max Out of Pocket$7,250 / $14,500OON: $10,500 / $21,000
Copay$25 / $40 / $75PCP / Specialist / Urgent Care
Coinsurance20% after deductibleOON: 40%
Emergency Room$500 copayIn & out of network
Hospital Admission20% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideOxford Freedom Network + out-of-network
Annual Administration Fee$95 / year

Enroll

450A BC Gold EPO LowAnthem / Blue Cross Blue Shield · Anthem Blue Access EPO

Member

$1,756/mo

Annual fee: $95

Member + Spouse

$3,378

Member + Child

$2,930

Family

$4,774

Enroll by end of month for a 1st-of-next-month start

Deductible

$1,950

Out of pocket

$8,700

Doctor visit

$15

Deductible$1,950 / $3,900OON: Not Covered
Max Out of Pocket$8,700 / $17,400OON: Not Covered
Copay$15 / $35 / $60PCP / Specialist / Urgent Care (before deductible)
Coinsurance10% after deductible
Emergency Room$750 copayWaived if admitted
Hospital Admission10% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideAnthem Blue Access EPO
Annual Administration Fee$95 / year

Enroll

450A Oxford Freedom Gold EPOOxford / United · Oxford Freedom Network

Member

$1,715/mo

Annual fee: $95

Member + Spouse

$3,386

Member + Child

$2,904

Family

$4,516

Enroll by end of month for a 1st-of-next-month start

Deductible

$1,750

Out of pocket

$6,500

Doctor visit

$25

Deductible$1,750 / $3,500OON: Not Covered
Max Out of Pocket$6,500 / $13,000OON: Not Covered
Copay$25 / $40 / $75PCP / Specialist / Urgent Care
Coinsurance20% after deductible
Emergency Room$500 copayIn & out of network
Hospital Admission20% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideOxford Freedom Network
Annual Administration Fee$95 / year

Enroll

450A BC Gold EPO HighAnthem / Blue Cross Blue Shield · Anthem Blue Access EPO

Member

$1,883/mo

Annual fee: $95

Member + Spouse

$3,612

Member + Child

$3,132

Family

$5,110

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$9,150

Doctor visit

$30

Deductible$0OON: Not Covered
Max Out of Pocket$9,150 / $18,300OON: Not Covered
Copay$30 / $60 / $90PCP / Specialist / Urgent Care
Coinsurance0%Copays only
Emergency Room$750 copayWaived if admitted
Hospital Admission$600 copayPer admission
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideAnthem Blue Access EPO
Annual Administration Fee$95 / year

Enroll

Oxford Freedom Silver EPO (HSA)Oxford / United

Member

$1,354.74/mo

App fee: $75

Member + Spouse

$2,665.61

Member + Child

$2,280.58

Family

$3,768.05

Enroll by end of month for a 1st-of-next-month start

Deductible

$2,500

Out of pocket

$8,000

Doctor visit

40% after ded.

Deductible$2,500 / $5,000OON: Not Covered
Max Out of Pocket$8,000 / $16,000OON: Not Covered
Copay$0 / $0PCP / Specialist — after ded & coinsurance
Coinsurance40% after deductible
Emergency Room50% after deductibleIn & out of network
Hospital Admission40% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwide
Application Fee$75 / one-time

Enroll

Oxford Metro Silver EPOOxford / United

Member

$1,277.96/mo

App fee: $75

Member + Spouse

$2,523

Member + Child

$2,155.52

Family

$3,554.14

Enroll by end of month for a 1st-of-next-month start

Deductible

$3,750

Out of pocket

$9,450

Doctor visit

$30

Deductible$3,750 / $7,500OON: Not Covered
Max Out of Pocket$9,450 / $18,900OON: Not Covered
Copay$30 / $80 / $80PCP / Specialist / Urgent Care
Coinsurance40%
Emergency Room50% after deductibleIn & out of network
Hospital Admission40% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNY / NJ / CTMetro network is tri-state only — must live in the area
Application Fee$75 / one-time

Enroll

450A Oxford Liberty Silver EPOOxford / United · Oxford Liberty Network

Member

$1,433/mo

Annual fee: $95

Member + Spouse

$2,825

Member + Child

$2,436

Family

$3,754

Enroll by end of month for a 1st-of-next-month start

Deductible

$4,500

Out of pocket

$9,200

Doctor visit

$30

Deductible$4,500 / $9,000OON: Not Covered
Max Out of Pocket$9,200 / $18,400OON: Not Covered
Copay$30 / $60 / $100PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Emergency Room50% coinsuranceAfter deductible
Hospital Admission50% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideOxford Liberty Network
Annual Administration Fee$95 / year

Enroll

450A BC Silver EPO HSAAnthem / Blue Cross Blue Shield · Anthem Blue Access EPO

Member

$1,489/mo

Annual fee: $95

Member + Spouse

$2,847

Member + Child

$2,473

Family

$4,030

Enroll by end of month for a 1st-of-next-month start

Deductible

$4,000

Out of pocket

$8,450

Doctor visit

$20

Deductible$4,000 / $8,000OON: Not Covered · HSA-compatible
Max Out of Pocket$8,450 / $16,900OON: Not Covered
Copay$20 / $50 / $100PCP / Specialist / Urgent Care (after deductible)
Coinsurance30% after deductible
Emergency Room$500 copayAfter deductible; waived if admitted
Hospital Admission$1,500 copayPer admission, after deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideAnthem Blue Access EPO
Annual Administration Fee$95 / year

Enroll

450A BC Silver EPOAnthem / Blue Cross Blue Shield · Anthem Blue Access EPO

Member

$1,556/mo

Annual fee: $95

Member + Spouse

$2,965

Member + Child

$2,575

Family

$4,191

Enroll by end of month for a 1st-of-next-month start

Deductible

$3,450

Out of pocket

$9,700

Doctor visit

$40

Deductible$3,450 / $6,900OON: Not Covered
Max Out of Pocket$9,700 / $19,400OON: Not Covered
Copay$40 / $80 / $100PCP / Specialist / Urgent Care (before deductible)
Coinsurance50% after deductible
Emergency Room50% coinsuranceAfter deductible
Hospital Admission50% coinsuranceAfter deductible
ReferralsNot Required
DependentsTo Age 26
CoverageNationwideAnthem Blue Access EPO
Annual Administration Fee$95 / year

Enroll

450A HIP POSEmblemHealth · HIP Prime Network · out-of-network covered (80th %ile UCR)

Member

$3,621/mo

Annual fee: $95

Member + Spouse

$6,533

Member + Child

$6,533

Family

$10,331

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$6,600

Doctor visit

$20

Deductible$0 in-networkOON: $2,500 / $5,000
Max Out of Pocket$6,600 / $13,200In-network
Copay$20 / $40 / $20PCP / Specialist / Urgent Care
Coinsurance0% in-networkOON: 50% after deductible, 80th %ile UCR
Emergency Room$100 copayWaived if admitted
Hospital Admission$500 per admissionPreauthorization required
ReferralsRequiredGated POS — in-network care through your PCP
DependentsTo Age 26
CoverageIn + out of networkHIP Prime Network; OON reimbursed at 80th %ile UCR
Annual Administration Fee$95 / year

Enroll

HSA 3500PHCS / Multiplan Network

Member

$672.36/mo

App fee: $75

community rated

Member + Spouse

$1,281.93

Member + Child

$1,166.45

Family

$1,770.10

Enroll by the 25th for a 1st-of-next-month start

Deductible

$3,500

Out of pocket

$7,000

Doctor visit

30% after ded.

Deductible$3,500 / $7,000OON: $7,500 / $15,000
Max Out of Pocket$7,000 / $14,000OON: $17,500 / $35,000
Coinsurance30% after deductible
Life Insurance$20,000 HumanaPrimary Member Only
HSA AccountLively HSA
Application Fee$75 / one-time

Enroll

450A HIP HMO HighEmblemHealth · HIP Prime Network (gated)

Member

$1,706/mo

Annual fee: $95

Member + Spouse

$2,982

Member + Child

$2,982

Family

$4,649

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$7,350

Doctor visit

$30

Deductible$0OON: Not Covered
Max Out of Pocket$7,350 / $14,700OON: Not Covered
Copay$30 / $75 / $30PCP / Specialist / Urgent Care
Coinsurance0%Copays only, no deductible
Emergency Room$300 copayWaived if admitted
Hospital Admission$2,000 per admissionPreauthorization required
ReferralsRequiredGated HMO — care through your PCP
DependentsTo Age 26
CoverageIn-network onlyHIP Prime Network
Annual Administration Fee$95 / year

Enroll

175 HIP HMO 3KEmblemHealth · Dual network: HIP HMO in NY · Cigna PPO outside NY (no referral)

Member

$1,499/mo

Annual fee: $95

Member + Spouse

Not offered

Member + Child

Not offered

Family

$3,474

Enroll by end of month for a 1st-of-next-month start

Deductible

$3,000

Out of pocket

$7,150

Doctor visit

$30

Deductible$3,000 / $6,000OON: Not Covered; separate $100 / $200 Rx deductible
Max Out of Pocket$7,150 / $14,300In-network; accumulates plan year
Copay$30 / $60 / $75PCP (no ded) / Specialist / Urgent Care after ded
Coinsurance0%Copays after deductible
Emergency Room$150 copayAfter deductible; waived if admitted
Hospital Admission$500 per admissionAfter deductible; preauthorization required
ReferralsRequiredGated HMO — care through your PCP
DependentsTo Age 26
CoverageHIP HMO in NYCigna PPO outside New York — no referral
Annual Administration Fee$95 / year

Enroll

175 HIP HMO Brand RxEmblemHealth · Dual network: HIP HMO in NY · Cigna PPO outside NY (no referral)

Member

$1,788/mo

Annual fee: $95

Member + Spouse

Not offered

Member + Child

Not offered

Family

$4,203

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$7,350

Doctor visit

$30

Deductible$0No medical deductible
Max Out of Pocket$7,350 / $14,700In-network; accumulates plan year
Copay$30 / $60PCP / Specialist
ReferralsNot requiredNon-gated — see a specialist directly
Hospital Admission$1,500 per admissionPreauthorization required
Outpatient Surgery$500 copay
Emergency Room$300 copayWaived if admitted
Coinsurance0%Plan pays 100% after copays
DependentsTo Age 26
Annual Administration Fee$95 / year

Enroll

175 HIP HMO Generic RxEmblemHealth · Dual network: HIP HMO in NY · Cigna PPO outside NY (no referral)

Member

$1,672/mo

Application fee: $125

Member + Spouse

Not offered

Member + Child

Not offered

Family

$3,899

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$7,350

Doctor visit

$30

Deductible$0 / $0Individual / Family
Out-of-pocket max$7,350 / $14,700Individual / Family
Copay (PCP / Spec / UC)$30 / $60 / $30
Coinsurance0%
Application fee$125 / one-time

Enroll

Copay 4500PHCS / Multiplan Network

Member

$708.45/mo

App fee: $75

community rated

Member + Spouse

$1,362.48

Member + Child

$1,248.39

Family

$1,805.85

Enroll by the 25th for a 1st-of-next-month start

Deductible

$4,500

Out of pocket

$8,150

Doctor visit

$40

Deductible$4,500 / $9,000OON: $8,500 / $17,000
Max Out of Pocket$8,150 / $16,300OON: $20,000 / $40,000
Copay$40 / $75 / $90PCP / Specialist / Urgent Care
Coinsurance30% after deductible
Life Insurance$20,000 HumanaPrimary Member Only
Application Fee$75 / one-time

Enroll

HSA 8050PHCS / Multiplan Network

Member

$574.10/mo

App fee: $75

community rated

Member + Spouse

$924.52

Member + Child

$1,024.65

Family

$1,274.66

Enroll by the 25th for a 1st-of-next-month start

Deductible

$8,050

Out of pocket

$8,050

Doctor visit

—

Deductible$8,050 / $16,100OON: $16,100 / $32,200
Max Out of Pocket$8,050 / $16,100OON: $24,000 / $48,000
Life Insurance$20,000 HumanaPrimary Member Only
HSA AccountLively HSA$25 contribution included
Application Fee$75 / one-time

Enroll

Copay 3500PHCS / Multiplan Network

Member

$799.45/mo

App fee: $75

community rated

Member + Spouse

$1,431.81

Member + Child

$1,399.44

Family

$2,055.61

Enroll by the 25th for a 1st-of-next-month start

Deductible

$3,500

Out of pocket

$7,350

Doctor visit

$40

Deductible$3,500 / $7,000OON: $7,500 / $15,000
Max Out of Pocket$7,350 / $14,700OON: $17,500 / $35,000
Copay$40 / $75 / $90PCP / Specialist / Urgent Care
Coinsurance20% after deductible
Life Insurance$20,000 HumanaPrimary Member Only
Application Fee$75 / one-time

Enroll

24K Dual NetworkAnthem / Blue Cross Blue Shield

Member

$1,650/mo

App fee: $125

Member + Spouse

$3,455

Member + Child

$2,885

Family

$4,340

Deductible

Out of pocket

$6,000

Doctor visit

$25

Deductible$0 in-network (Tier 1)Out-of-network: $1,000 / $2,000
Max Out of Pocket$6,000 / $18,200Individual / Family
Office Copays$25 / $40PCP / Specialist (Tier 1)
X-Ray & Bloodwork$40 copayMinor services (in-network)
Advanced ImagingCopay appliesCT / MRI / PET (in-network)
Emergency Room$600 copayPer visit
Urgent Care$50 copayTier 1 (in-network)
Hospital Stay$500 copay/admissionFacility (Tier 1) + $40 physician
Maternity$500 facility · $40 professionalDelivery (Tier 1)
Virtual CareNo chargeCirrusMD 24/7
Preventive Care100% coveredBefore deductible
EligibilityUntil age 59 · Must be working
Application Fee$125 / one-time

Enroll

Sterling Dual NetworkAnthem / Blue Cross Blue Shield

Member

$1,375/mo

App fee: $125

Member + Spouse

$2,545

Member + Child

$2,425

Family

$3,045

Deductible

$2,000

Out of pocket

$7,500

Doctor visit

$35

Deductible$2,000 / $3,000Tier 1 (Northwell) / Tier 2 (BlueCard) · OON $6,000
Max Out of Pocket$7,500 / $18,200Individual / Family
Office Copays$35 / $45PCP / Specialist (Tier 1)
X-Ray & BloodworkAfter deductibleMinor services (in-network)
Advanced ImagingAfter deductibleCT / MRI / PET
Emergency RoomDeductible then $800Per visit
Urgent Care$75 copayIn-network
Hospital StayDeductible then $700/admissionFacility (Tier 1)
MaternityAfter deductibleDelivery (Tier 1)
Virtual CareNo chargeCirrusMD 24/7
Preventive Care100% coveredBefore deductible
EligibilityUntil age 59 · Must be working
Application Fee$125 / one-time

Enroll

450A HIP Select 4000EmblemHealth · HIP Select Care Network (gated)

Member

$1,285/mo

Annual fee: $95

Member + Spouse

$2,255

Member + Child

$2,255

Family

$3,465

Enroll by end of month for a 1st-of-next-month start

Deductible

$4,000

Out of pocket

$6,000

Doctor visit

$30

Deductible$4,000 / $8,000OON: Not Covered
Max Out of Pocket$6,000 / $12,000OON: Not Covered
Copay$30 / $60 / $75PCP (no ded) / Specialist / Urgent Care after ded
Coinsurance0%Copays after deductible
Emergency Room$200 copayAfter deductible; waived if admitted
Hospital Admission$750 per admissionAfter deductible
ReferralsRequiredGated HMO — care through your PCP
DependentsTo Age 26
CoverageIn-network onlyHIP Select Care Network
Annual Administration Fee$95 / year

Enroll

450A HIP HMO LowEmblemHealth · HIP Prime Network (gated)

Member

$1,547/mo

Annual fee: $95

Member + Spouse

$2,812

Member + Child

$2,812

Family

$4,201

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

$7,350

Doctor visit

$30

Deductible$0OON: Not Covered
Max Out of Pocket$7,350 / $14,700OON: Not Covered
Copay$30 / $75 / $30PCP / Specialist / Urgent Care
Coinsurance0%Copays only, no deductible
Emergency Room$300 copayWaived if admitted
Hospital Admission$2,000 per admissionPreauthorization required
ReferralsRequiredGated HMO — care through your PCP
DependentsTo Age 26
CoverageIn-network onlyHIP Prime Network
Annual Administration Fee$95 / year

Enroll

Limited Medical Plans

Lifeline Medical PlatinumPHCS / Multiplan Network

Plus Curate ConciergeDiet plans, exercise routines, and more from Dr. Dorski, whenever you want.

Member

$338.50/mo

App fee: $25

Member + Spouse

$596.50

Member + Child

$569.50

Family

$891

Enroll by the 20th for a 1st-of-next-month start

Deductible

—

Out of pocket

—

Doctor visit

$25

Copay$25 / $25 / $50PCP / Specialist / Urgent Care
Doctor VisitsNo visit limitPreventive care covered 100%
Lab work$50 copayX-rays $50 copay
Hospitalization$2,500 per admissionCash paid to you, up to 3/yr, plus $200/day up to 30 days
Surgeries$1,000 in / $1,000 outCash paid to you, 1/yr each ($300 at a doctor's office)
ER$100 per visit, 2/yrCash paid to you
Ambulance$200 ground / $1,000 airCash paid to you, 1/yr
Application Fee$25 / one-time

Enroll

Lifeline Medical GoldPHCS / Multiplan Network

Plus Curate ConciergeDiet plans, exercise routines, and more from Dr. Dorski, whenever you want.

Member

$238.50/mo

App fee: $25

Member + Spouse

$344.50

Member + Child

$344.50

Family

$458

Enroll by the 20th for a 1st-of-next-month start

Deductible

—

Out of pocket

—

Doctor visit

$25

Copay$25 / $25 / $50PCP / Specialist / Urgent Care
Doctor VisitsNo visit limitPreventive care covered 100%
Lab work$50 copayX-rays $50 copay
Hospitalization$2,000 per admissionCash paid to you, up to 3/yr, plus $50/day up to 30 days
Surgeries$1,000 in / $250 outCash paid to you, 1/yr each ($75 at a doctor's office)
ERNo ER cash benefitPlatinum pays $100 per ER visit
Application Fee$25 / one-time

Enroll

Vault SilverPHCS / Multiplan Network

Member

$887.96/mo

App fee: $75

community rated

Member + Spouse

$1,158.04

Member + Child

$1,067.63

Family

$1,536.90

Enroll by the 25th for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

$15

Deductible$0 / $0
Copay$15 / $25 / $35PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor Visits10 combined/yrPCP + Specialist + MH outpatient
Hospitalization7 days/yr
Surgeries3 inpatient / 2 outpatient per yr
ER1 visit/yrCopay included in hospitalization
Urgent Care3 visits/yr
Application Fee$75 / one-time

Enroll

Vault BronzePHCS / Multiplan Network

Member

$725.35/mo

App fee: $75

community rated

Member + Spouse

$999.24

Member + Child

$932.88

Family

$1,331.72

Enroll by the 25th for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

$25

Deductible$0 / $0
Copay$25 / $50 / $50PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor Visits8 combined/yrPCP + Specialist + Outpatient MH
Hospitalization5 days/yr
Surgeries2 inpatient / 1 outpatient per yr
ER1 visit/yrCopay included in hospitalization
Urgent Care2 visits/yr
Application Fee$75 / one-time

Enroll

DVP Essentials 2500PHCS / Multiplan Network

Member

$504/mo

App fee: $75

community rated

Member + Spouse

$704

Member + Child

$654

Family

$954

Enroll by the 25th for a 1st-of-next-month start

Deductible

$2,500

Out of pocket

—

Doctor visit

$25

Deductible$2,500 / $5,000In-Network
Copay$25 / $50 / $75PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor Visits4 combined/yrPCP + Specialist + MH
Hospitalization5 days/yr
Surgeries1 inpatient / 1 outpatient per yr
ER1 visit/yrCopay included in hospitalization
Urgent Care1 visit/yr
Application Fee$75 / one-time

Enroll

MVP ValuePHCS / Multiplan Network

Member

$631.49/mo

App fee: $75

community rated

Member + Spouse

$1,037.84

Member + Child

$909.73

Family

$1,316.07

Enroll by the 25th for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

$15

Deductible$0 / $0
Copay$15 / $25 / $35PCP / Specialist / Urgent Care
Doctor Visits10 PCP / 10 Specialist (separate) per year
Hospitalization$350 copay/admission7 days/yr
Surgeries3 inpatient / 2 outpatient per yr
ER$350 copay1 visit/yr
Urgent Care3 visits/yr
Lab Work3 per year. NOT covered at a hospital.
Application Fee$75 / one-time

Enroll

DVP Essentials 7500PHCS / Multiplan Network

Member

$364.99/mo

App fee: $75

community rated

Member + Spouse

$604

Member + Child

$554

Family

$814

Enroll by the 25th for a 1st-of-next-month start

Deductible

$7,500

Out of pocket

—

Doctor visit

$50

Deductible$7,500 / $15,000In-Network
Copay$50 / $75 / $75PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor Visits2 combined/yrPCP + Specialist + MH
Hospitalization5 days/yr
Surgeries1 inpatient / 1 outpatient per yr
ER1 visit/yrCopay included in hospitalization
Urgent Care1 visit/yr
Application Fee$75 / one-time

Enroll

MVP AdvantagePHCS / Multiplan Network

Member

$677.89/mo

App fee: $75

community rated

Member + Spouse

$1,115.79

Member + Child

$969.81

Family

$1,407.71

Enroll by the 25th for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

$15

Deductible$0 / $0
Copay$15 / $25 / $35PCP / Specialist / Urgent Care
Doctor Visits12 PCP / 12 Specialist (separate) per year
Hospitalization$350 copay/admission10 days/yr
Surgeries4 inpatient / 2 outpatient per yr
ER$350 copay2 visits/yr
Urgent Care3 visits/yr
Lab Work4 per year. NOT covered at a hospital.
Application Fee$75 / one-time

Enroll

Elite Health USAFirst Health

Member

$438.38/mo

App fee: $75

Member + Spouse

$695.64

Member + Child

$712.17

Family

$1,002.13

Enroll by the 25th for a 1st-of-next-month start

Deductible$2,500 / $5,000
Copay$50 / $100 / $200PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor VisitsPCP/Unlimited, Specialist/May be subject to limitations
Hospitalization$500 copay3 days/yr
ER$500 copay1 visit/yr
Lab Work$60-$100 copay per visit depending on test/service. NOT cov…
Imaging$500 copayCT/MRI/MRA/PET · basic radiology $60–$100 range
Application Fee$75 / one-time

Enroll

Elite Health Plus USAFirst Health

Member

$522.28/mo

App fee: $75

Member + Spouse

$858.81

Member + Child

$894.89

Family

$1,203.76

Enroll by the 25th for a 1st-of-next-month start

Deductible$1,000 / $2,000
Copay$35 / $75 / $150PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Hospitalization$500 copay5 days/yr
ER$500 copay1 visit/yr
Lab Work$50-$100 copay per visit depending on test/service. NOT cov…
Imaging$500 copayCT/MRI/MRA/PET · not covered if hospital-based
Application Fee$75 / one-time

Enroll

MVP BasicPHCS / Multiplan Network

Member

$572.07/mo

App fee: $75

community rated

Member + Spouse

$907.09

Member + Child

$802.75

Family

$1,137.79

Enroll by the 25th for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

$25

Deductible$0 / $0
Copay$25 / $50 / $50PCP / Specialist / Urgent Care
Doctor Visits8 PCP / 8 Specialist (separate) per year
Hospitalization$350 copay/admission5 days/yr
Surgeries2 inpatient / 1 outpatient per yr
ER$350 copay1 visit/yr
Urgent Care2 visits/yr
Lab Work3 per year. NOT covered at a hospital.
Application Fee$75 / one-time

Enroll

DVP Essentials 5000PHCS / Multiplan Network

Member

$424.99/mo

App fee: $75

community rated

Member + Spouse

$664

Member + Child

$614

Family

$874

Enroll by the 25th for a 1st-of-next-month start

Deductible

$5,000

Out of pocket

—

Doctor visit

$25

Deductible$5,000 / $10,000In-Network
Copay$25 / $50 / $75PCP / Specialist / Urgent Care
Coinsurance50% after deductible
Doctor Visits2 combined/yrPCP + Specialist + MH
Hospitalization5 days/yr
Surgeries1 inpatient / 1 outpatient per yr
ER1 visit/yrCopay included in hospitalization
Urgent Care1 visit/yr
Application Fee$75 / one-time

Enroll

Dental & Vision Plans

Cigna DHMO DentalCigna Dental Network

Member

$59.99/mo

community rated

Member + Spouse

$119.99

Member + Child

$119.99

Family

$119.99

Enroll by the 25th for a 1st-of-next-month start

DeductibleNo deductibles.
Dental Preventive$0 Co-Pay

Enroll

Cigna DHMO Dental + VisionCigna Dental Network

Member

$79.98/mo

community rated

Member + Spouse

$154.98

Member + Child

$174.98

Family

$174.98

Enroll by the 25th for a 1st-of-next-month start

DeductibleNo deductibles.
Dental Preventive$0 Co-Pay

Enroll

MetLife Dental PlatinumMetLife Dental · MetLife PDP Plus

Member

$89.61/mo

App fee: $25

Member + Spouse

$177.16

Member + Child

$179.22

Family

$281.71

Annual Maximum$3,000Per person, in + out of network combined
Deductible$25 / $75Applies to basic and major services
Preventive & Diagnostic100% coveredExams, cleanings, X-rays · no waiting period
Basic Services80% coveredFillings, extractions · no waiting period
Major Services50% coveredCrowns, bridges, dentures, implants · 12-month wait
Orthodontia50% coveredChildren to age 19 · $2,000 lifetime max · 12-month wait
AcceptanceGuaranteedNo medical questions · ages 18–100
Application Fee$25 / one-time

Enroll

MetLife Dental GoldMetLife Dental · MetLife PDP Plus

Member

$55.62/mo

App fee: $25

Member + Spouse

$109.18

Member + Child

$110.21

Family

$174.07

Annual Maximum$1,500Per person, in + out of network combined
Deductible$50 / $150Applies to basic services only
Preventive & Diagnostic100% coveredExams, cleanings, X-rays · no waiting period
Basic Services70% coveredFillings, extractions · no waiting period
Major Services40% coveredCrowns, bridges, dentures, implants · 12-month wait
AcceptanceGuaranteedNo medical questions · ages 18–100
Application Fee$25 / one-time

Enroll

MetLife Dental SilverMetLife Dental · MetLife PDP Plus

Member

$38.11/mo

App fee: $25

Member + Spouse

$71.07

Member + Child

$73.13

Family

$114.33

Annual Maximum$1,000Per person, in + out of network combined
Deductible$50 / $150Applies to basic services only
Preventive & Diagnostic100% coveredExams, cleanings, X-rays · no waiting period
Basic Services50% coveredFillings, extractions · no waiting period
AcceptanceGuaranteedNo medical questions · ages 18–100
Application Fee$25 / one-time

Enroll

Solstice PPO Dental + VisionSolstice Dental Network

Member

$109.98/mo

community rated

Member + Spouse

$180.98

Member + Child

$214.98

Family

$295.98

Enroll by the 25th for a 1st-of-next-month start

Deductible

$50

Out of pocket

—

Doctor visit

—

Deductible$50/individual $150/family in network and out of network. D…
Dental Major50% in-network and out-of-network
Dental Max1500

Enroll

Delta Dental PPO 1500 + VSP VisionDelta Dental PPO + VSP Choice

Member

$77.50/mo

App fee: $25

Member + Spouse

$140

Member + Child

$131.50

Family

$206.50

Enroll by the 21st for a 1st-of-next-month start

Dental Annual Maximum$1,500 per personDelta Dental PPO 1500
Dental Deductible$50 / $150Individual / Family (in-network)
Preventive & Diagnostic100% coveredCleanings, exams, X-rays (in-network)
Basic Services80% coveredFillings, extractions, root canals (in-network)
Major Services50% coveredCrowns, bridges, dentures, implants (in-network)
Eye Exam$10 copayVSP Choice network • every 12 months
Frames$150 allowance+ 20% off overage • every 24 months
Lenses$25 copaySingle, bifocal, trifocal, lenticular • every 12 months
Contact Lenses$150 allowance+ 15% off fitting • medically necessary covered in full
Application Fee$25 / one-time

Enroll

VSP VisionVSP

Member

$22/mo

App fee: $25

Member + Spouse

$34

Member + Child

$33

Family

$50.50

Eye Exam$10 copayEvery 12 months · up to $45 out of network
Lenses$25 copaySingle vision, bifocal or trifocal · every 12 months
Frames$130 allowanceEvery 24 months · $70 at Costco, Walmart or Sam's Club
Contact Lenses$130 allowanceInstead of glasses · every 12 months
Application Fee$25 / one-time

Enroll

Solstice DHMO DentalSolstice Dental Network

Member

$59.99/mo

community rated

Member + Spouse

$84.99

Member + Child

$94.99

Family

$114.99

Enroll by the 25th for a 1st-of-next-month start

DeductibleNo deductibles.
Dental Preventive$0 Co-Pay

Enroll

Delta Dental MAX + VSP VisionDelta Dental PPO + Premier + VSP Choice

Member

$101.50/mo

App fee: $25

Member + Spouse

$184.50

Member + Child

$176.50

Family

$269.50

Enroll by the 21st for a 1st-of-next-month start

Dental Annual Maximum$1,500 in-net / $1,000 outDelta Dental MAX • per person
Dental Deductible$50 / $150In or out of network • waived for preventive & diagnostic in-network
Preventive & Diagnostic100% coveredIn & out of network
Basic Services80% coveredIn & out of network
Major Services50% coveredIn & out of network
Eye Exam$10 copayVSP Choice network • every 12 months
Frames$150 allowance+ 20% off overage • every 24 months
Lenses$25 copaySingle, bifocal, trifocal, lenticular • every 12 months
Contact Lenses$150 allowance+ 15% off fitting • medically necessary covered in full
Application Fee$25 / one-time

Enroll

Delta Dental PPO 1500Delta Dental

Member

$61.50/mo

App fee: $25

Member + Spouse

$117

Member + Child

$109.50

Family

$174

Annual Maximum$1,500 per person
Deductible$50 / $150Individual / Family (in-network)
Preventive & Diagnostic100% coveredCleanings, exams, X-rays (in-network)
Basic Services80% coveredFillings, extractions, root canals (in-network)
Major Services50% coveredCrowns, bridges, dentures, implants (in-network)
Application Fee$25 / one-time

Enroll

Delta Dental MAXDelta Dental

Member

$79.50/mo

App fee: $25

Member + Spouse

$150.50

Member + Child

$143.50

Family

$219

Annual Maximum$1,500 in-net / $1,000 outPer person
Deductible$50 / $150In or out of network
Preventive & Diagnostic100% coveredIn & out of network
Basic Services80% coveredIn & out of network
Major Services50% coveredIn & out of network
Application Fee$25 / one-time

Enroll

Guardian Managed DentalGuard (DMO)Guardian Managed DentalGuard

Member

$68.86/mo

App fee: $25

Member + Spouse

$97.90

Member + Child

$99.63

Family

$123.49

Enroll by end of month for a 1st-of-next-month start

Deductible

Out of pocket

—

Doctor visit

—

Dental preventive—
Dental basic—
Dental major—
Dental implants—
Orthodontics—
Dental maximum benefit—
Application Fee$25 / one-time

Enroll

Guardian DentalGuard PPOGuardian DentalGuard PPO

Member

$109.12/mo

App fee: $25

Member + Spouse

$178.68

Member + Child

$168.13

Family

$232.91

Enroll by end of month for a 1st-of-next-month start

Deductible

$50

Out of pocket

—

Doctor visit

—

Referral requiredNo
Dental preventive—
Dental basic—
Dental major—
Dental implants—
Orthodontics—
Dental maximum benefit—
Application Fee$25 / one-time

Enroll

Solstice PPO DentalSolstice Dental Network

Member

$89.99/mo

community rated

Member + Spouse

$145.99

Member + Child

$174.99

Family

$245.99

Enroll by the 25th for a 1st-of-next-month start

Deductible

$50

Out of pocket

—

Doctor visit

—

Deductible$50/individual $150/family in network and out of network. D…
Dental Major50% in-network and out-of-network
Dental Max1500

Enroll

Solstice DHMO Dental + VisionSolstice Dental Network

Member

$79.98/mo

community rated

Member + Spouse

$119.98

Member + Child

$134.98

Family

$164.98

Enroll by the 25th for a 1st-of-next-month start

DeductibleNo deductibles.
Dental Preventive$0 Co-Pay

Enroll

Other Plans

Curate Health — telehealth and pharmacyCurate Health · Telehealth

Member

$200/mo

Your membership starts on the 1st of the month after your payment clears.

What’s included

Movement, nutrition, and lifestyle guidance
Support for daily habits, metabolic health, and long term wellbeing, available whenever you need it.
Access to independent licensed medical providers
Your membership includes your telemedicine visit and clinical evaluation through our partner clinicians.
One pharmacy token each month
Redeemable for eligible medication delivery, directly to your door, through partner pharmacies.
Transparent and all-inclusive
No insurance, no claims, no networks, no surprise bills.