How It Works
Finally, Health Insurance
Customized To Your Actual Needs And Budget
You’re in control with customization options in three key areas of your health plan:
Benefit Level
Why pay for coverage you don’t use? Choose from 3 flexible plans - only pay for what you need.
Hospital Deductible
Choose the deductible that fits your budget! Only applies to hospital stays over 24 hours!
Maximum Benefit
We help you pick the right safety net for your year ahead. No stress. Just solid protection.
Our Customizable Plan Bundle
Because One-Size-Fits-All Never Really Fits... Whether you're covering yourself, your family, or employees, you can build the perfect-fit plan with help from a licensed expert.
This policy provides first dollar payments for covered healthcare services without copays or having to meet an out-patient deductible first. Includes coverage for: preventative care, doctor visits, hospitalization, surgery, cancer, RX, labs, x-rays, MRI’s, and MORE. Ask your Agent how to customize your coverage today!
The Accident Plan gives your $4,000 in additional coverage + a $100,000 accidental death benefit.
The Specified Disease Plan gives you access to the full First Health PPO Network + additional coverage for disease like: heart attack, stroke, cancer, lupus, and more.
The Critical Illness Plan gives you $10,000 - $50,000 additional coverage for heart attack, stroke, or internal cancer.
This is a hybrid dental insurance plan + vision & hearing discount program.
Shopping Smart Helps You Save
Select a procedure to see how our most popular plan bundle works:
-
Doctor Visit
$120 Benefit -
Specialist
$150 Benefit -
Chiropractor
$120 Benefit -
MRI
$500 Benefit -
Urgent Care
$300 Benefit
Provider A Charges $90
$90 would be paid to the provider from you $120 benefit and you would receive a check back for $30!
Provider B Charges $130
Your benefit of $120 would be paid to the provider and you would pay the remaining $10.
Specialist B Charges $130
$130 would be paid to the provider from your $150 benefit and you would receive a check back for $20!
Specialist A Charges $175
Your benefit of $150 would be paid to the provider
and you would pay the remaining $25.
Chiropractor B Charges $80
Your benefit of $120 would be paid to the provider and you would receive a check back for $40!
Chiropractor A Charges $125
Your benefit of $120 would be paid to the provider and you would pay $5 at the time of service.
MRI A Charges $275
$275 would be paid to the provider from your $500 benefit and you would receive a check back for $225!
MRI B Charges $600
Your benefit of $500 would be paid to the provider
and you would pay the left over $100.
Urgent Care B Charges $280
$280 would be paid to the provider from your $300 benefit and you would receive a check back for $20!
Urgent Care A Charges $325
Your benefit of $300 would be paid to the provider
and you would pay the left over $25.
Real People. Real Protection.
When David* (check pictured) was diagnosed with cancer, he braced for the worst—not just medically, but financially. The treatments came quickly, and so did the bills.
But with the help of his affordable health plan, what followed wasn’t panic—it was relief:
He was able to get the treatment he needed, when he needed it.
Florida Cancer Specialists billed David's plan $356.54 for his treatment. (pictured)
David's plan has $2,250 of coverage for radiation treatment, so his plan paid Florida Cancer Specialists their $356.54 and sent David a check for the remaining $1,893.46 (pictured)
David will get a check like that every day he goes in for treatment, up to his calendar year max, and he is free to spend those checks however he needs too.
We Handle the Red Tape,
You Focus On What Matters
You get year-round support from US-based Patient Advocates—experts in medical billing who make your care simpler and more affordable.
Patient Advocacy is a voluntary membership and not an insurance product.
Our advocacy team can shop the cost of your health care for you and present fairly-priced options within your benefits.
Never worry about surprise bills again! Our experts can review your bill and negotiate with providers on your behalf.
Our advocacy team handles the claims process for you, so you can get reimbursed sooner.
Just let our team know what kind of doctor you need and they'll do the digging for you to find primary care, specialists, facilities, and more!
