Frequently Asked Questions

  • Health insurance helps pay for medical expenses from doctor visits and prescriptions to hospital stays and surgeries. You pay a monthly premium and the plan shares the cost of covered services.

  • The amount you pay each month to keep your plan active.

  • What you pay out of pocket each year before the plan starts sharing costs.  Example: With a $2,000 deductible, you pay the first $2,000 of covered bills.

  • A fixed dollar amount for certain services (e.g., $40 for a doctor visit, $15 for a prescription).

  • After you meet your deductible, it’s the percentage you keep paying (e.g., you pay 20%, the plan pays 80%).

  • The most you’ll pay in a year for covered care (deductible + copays + coinsurance). After you hit it, covered services are paid at 100% for the rest of the year.

  • In-network providers contract with your plan, so you pay less. With out-of-network providers, you may pay more or the full amount.

  • Annual physicals, screenings, and vaccines. Most plans cover these at 100% in-network.

  • Yes. Emergencies are covered at in-network rates even if treated out of network.

  • A Preferred Provider Organization lets you see any doctor without referrals. You save most with in-network providers, but still have coverage out of network.

    All of our plans use national PPO networks (e.g., PHCS, Cigna, Anthem) for broad access.

  • Affordable coverage focused on preventive care and routine visits that meets federal standards. It’s a strong foundation if you want essential benefits at a lower monthly cost.

  • Plans that pay a set cash amount per service (e.g., $100 per doctor visit, $500 per hospital day) that you can apply to your bills. Helpful for budgeting and filling gaps.

  • Add protection based on your needs:

    • Dental & Vision (insurance or savings networks)

    • Accident (lump-sum for covered injuries)

    • Hospital Indemnity (daily cash if hospitalized)

    • Critical Illness (cash for serious diagnoses)

    • Term Life (affordable coverage options)

  • Yes. Many members pair medical with dental, vision and supplemental plans for broader protection at a predictable price.

  • Enroll anytime. If you enroll by the 20th, coverage starts on the 1st of the next month.

  • Pay monthly by ACH (bank draft) or debit card. View and manage billing in your Member Portal.

  • Make changes or cancel anytime through your Member Portal, no long-term contracts.

  • Look beyond the premium. Compare deductible, out-of-pocket max, copays/coinsurance, network, prescriptions, and any supplemental options. Focus on total annual cost for your likely usage.

  • Major Medical options do. MEC and fixed-benefit plans may have limits or waiting periods. Check each plan’s summary for specifics.

  • An HSA (Health Savings Account) works with an HSA-eligible high-deductible plan to let you save/spend pre-tax dollars on qualified medical expenses.

    We do not open or manage HSA accounts. If you select an HSA-eligible plan, you can open an HSA with a bank, credit union, or HSA provider of your choice.