Lifeline Medical Gold with Curate Concierge

Monthly premiums

Member

$238.50/mo

Member & Spouse

$344.50/mo

Member & Children

$344.50/mo

Member & Family

$458.00/mo

Lifeline Medical Gold is minimum essential coverage on the PHCS network with hospital indemnity on top. It's guaranteed issue: there are no health questions, a pre-existing condition doesn't keep anyone off it, and there are no waiting periods. Anyone 18 to 99 can enroll, in every state. Preventive care is covered at 100%. Primary care visits are a $25 copay with no visit limit, specialists are $25, urgent care is $50, and lab work and x-rays are $50. Telemedicine and virtual behavioral health through Recuro Health are $0, 24/7. Prescriptions are $15 / $30 / $50 / $75 by tier at more than 60,000 retail pharmacies, and the MEC companion discount card adds savings on dental, vision, medical equipment, diabetic supplies, fitness and x-rays. The hospital indemnity pays you directly, whatever the hospital bill is: $2,000 per hospital admission (up to 3 a year), $50 a day while you're confined (up to 30 days), $1,000 for an inpatient surgery, and $250 for an outpatient surgery at a hospital or $75 at a doctor's office (once a year each). This isn't major medical. It's for someone who can't pass underwriting, or who wants doctor visits, prescriptions and a hospital cash benefit for less than a major medical premium. Someone who expects a big hospital bill should know the indemnity pays fixed amounts, not the bill.

Plan details

Primary Care Copay

$25

Specialist Copay

$25

Urgent Care Copay

$50

Benefits

• Curate Concierge

  Included

  Diet plans, exercise routines, and more from Dr. Dorski, whenever you want

• Copay

  $25 / $25 / $50

  PCP / Specialist / Urgent Care

• Doctor Visits

  No visit limit

  Preventive care covered 100%

• Rx Coverage

  $15 / $30 / $50 / $75

  Tier 1 / Tier 2 / Tier 3 / Tier 4

• Telemedicine

  $0, 24/7

  Virtual behavioral health $0 too

• Lab work

  $50 copay

  X-rays $50 copay

• Hospitalization

  $2,000 per admission

  Cash paid to you, up to 3/yr, plus $50/day up to 30 days

• Surgeries

  $1,000 in / $250 out

  Cash paid to you, 1/yr each ($75 at a doctor's office)

• ER

  No ER cash benefit

  Platinum pays $100 per ER visit