SHORT TERM OVERVIEW
SHORT TERM DETAILS
OTHER PLAN OPTIONS
ENROLL NOW
Back to Top
Bridge your Temporary
Healthcare Gaps, with Confidence
Learn about our HealthBridge Plans
Flexible & Affordable Healthcare Solutions.
Questions, Call us at 866-438-4274
In today's fast-paced world, having flexible and affordable health insurance is more important than ever. HealthBridge offers three distinct short term medical insurance plans to suit your unique needs: Traditional Short Term Medical Insurance (HealthBridge TRD), Short Term Medical Insurance & Virtual Care Solutions (HealthBridge VCS), and Short Term Medical Insurance & Direct Primary Care (HealthBridge DPC). Each plan is designed to provide you with crucial healthcare coverage quickly and efficiently, whether you need it for 3 months, 6 months, or up to 364 days. Our plans cater to both group association states, requiring Healthy America Association (HAA) membership, and individual states, where HAA membership is optional. Discover how HealthBridge can be your bridge to better healthcare during life’s transitions.
In the ever-evolving landscape of healthcare, individuals often find themselves in transitional periods where traditional health insurance might not be the most suitable option. This is where Short Term Medical Insurance comes into play. Short Term Medical Insurance is a type of health coverage designed to provide temporary protection for individuals during gaps in their standard health insurance coverage. These plays are typically less expensive than traditional insurance and offer a flexible solution to those in need of temporary coverage. Short Term Medical Insurance policies generally last from a few months up to a year, depending on the insurer and state regulations. Below are highlights of some of the coverage available in Short Term Medical Insurance plans*.
WELLNESS
EMERGENCY ROOM CARE
TRANSPLANT
BENEFITS
URGENT CARE
INPATIENT & OUTPATIENT SURGERY
OUTPATIENT SERVICES
SICKNESS
HOSPITAL BENEFITS
X-RAY & LABORATORY
AMBULANCE TRANSPORTATION
*Note: All benefits might not be available in every Short Term Medical Insurance Plan. Review the Plan Certificates or Policies to determine available plan benefits.
By choosing HealthBridge VCS or HealthBridge DPC plans, members are offered a broad spectrum of healthcare services, ensuring timely and efficient care while helping to alleviate financial burdens.
With HealthBridge DPC membership plans, you gain access to Direct Primary Care, an additional non-insurance membership benefit. This provides members with unlimited, hassle-free access to in-office doctor visits, urgent care, and virtual primary care consultations. Members can easily schedule appointments by calling a single number, with no claim forms required.
with HealthBridge VCS membership plans, you have access to Virtual Care Solutions through Lyric Health. Lyric Health Virtual Visits are an additional non-insurance membership benefit that provides access to telehealth services allowing members to consult with healthcare professionals from the comfort of home. This service is ideal for non-emergency medical issues and can help save members time and money on doctor visits.
Choose HealthBridge for adaptable and comprehensive short term medical insurance solutions that prioritize your health during life’s transitions.(choose one of the jump links or scroll down):
Program details below are for programs purchased on or after 04/02/26. Already enrolled? View your state-specific enrolled membership program. Go to the Member Portal for your program's specific details.
HAA Membership is required.
Short Term Medical Insurance is underwritten by Everest Reinsurance Company.
HAA Membership is NOT required.
Short Term Medical Insurance is underwritten by Everest Reinsurance Company.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000 ($2M in IN)
Doctors Office Visits, Wellness Visits, Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Available States:
AL, AR, AZ, DE, FL, GA, IN, MI, MS, NE, OH, SC, TN, TX, VA, WI, & WV
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
Association Membership is required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou must also be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge TRD (GP) plan. Membership dues for HAA are a separate $15 per month for the entire family.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network1
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,0002 ($2M in IN)
The Short Term Medical Insurance in the HealthBridge TRD (GP) plan is underwritten by Everest Reinsurance Company.
1In Nebraska, all practitioner, ancillary, and facility charges are reimbursed at 150% of Medicare Allowable Rates.
2Coverage Period Maximum is $2,000,000 in Indiana.
3Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery (except in Indiana) not exceeding $40,000 per person per Coverage Period. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Certificate of Insurance and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge TRD Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Certificate and applicable Riders, the Certificate and applicable Riders shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate of Insurance carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. Pre-Certification Requirements also apply and can vary by state. Review the Certificate and any applicable Riders for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is required for this group association insurance plan. The Policy is issued to the Healthy America Association as the Master Policyholder and you must be a member of the group to enroll. Membership dues are $15 per month for the entire family and are separate from the plan cost for the optional Short Term Medical insurance premiums. Everest Reinsurance Company, SASid, InsuranceTPA.com, MultiPlan, and PHCS are not affliated with the non-insurance membership benefits and discount programs offered in connection with Healthy America Association.
we offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Certificate had never been issued. We want you to be 100% satisfied with your HAA HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge TRD (GP) plan.
*These are the sample certificates for the Group Association states (must have HAA membership) for the HealthBridge TRD plan. This is a sample certificate and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific certificate will be issued to your Member Portal.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
Doctors Office Visits, Wellness Visits, Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Available States:
KS, KY, LA, MO, NC, ND, NV, OK, & WY
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
Association Membership is NOT required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou do not have to be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge TRD (IN) plan. Membership in HAA is optional.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
The Short Term Medical Insurance in the HealthBridge TRD (IN) plan is underwritten by Everest Reinsurance Company.
1Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery not exceeding $40,000 per person per Coverage Period (except in KS). KY has a separate benefit for Treatment of Alcoholism and NV has a variation for Substance Abuse. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Policy and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge TRD Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Policy, the Policy shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. (Waiting periods are not applicable in KS or ND.) Pre-Certification Requirements also apply and can vary by state. Review the Policy for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is not required for this individual short term medical insurance plan. You can choose to add HAA to your HealthBridge TRD plan but it is not required to enroll in this individual Short Term Medical Insurance.
We offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Policy had never been issued. We want you to be 100% satisfied with your HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do not have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge TRD (IN) plan.
| State | Sample Policy |
|---|---|
| Kansas | View Kansas HealthBridge TRD Sample Policy |
| Kentucky | View Kentucky HealthBridge TRD Sample Policy |
| Louisiana | View Louisiana HealthBridge TRD Sample Policy |
| Missouri | View Missouri HealthBridge TRD Sample Policy |
| Nevada | View Nevada HealthBridge TRD Sample Policy |
| North Carolina | View North Carolina HealthBridge TRD Sample Policy |
| North Dakota | View North Dakota HealthBridge TRD Sample Policy |
| Oklahoma | View Oklahoma HealthBridge TRD Sample Policy |
| Wyoming | View Wyoming HealthBridge TRD Sample Policy |
*These are the sample policies for the Individual Insurance states (membership in HAA is not required) for the HealthBridge TRD plan. This is a sample Policy and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific Policy will be issued to your Member Portal.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000 ($2M in IN)
Doctors Office Visits, Wellness Visits, Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, DE, FL, GA, IN, MI, MS, NE, OH, SC, TN, TX, VA, WI, & WV
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
Association Membership is required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou must also be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge VCS (GP) plan. Membership dues for HAA are a separate $15 per month for the entire family. Plan cost for HealthBridge VCS also include costs for Benefit Boost 1.0, agent compensation and administration.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network1
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,0002 ($2M in IN)
The Short Term Medical Insurance in the HealthBridge VCS (GP) plan is underwritten by Everest Reinsurance Company.
1In Nebraska, all practitioner, ancillary, and facility charges are reimbursed at 150% of Medicare Allowable Rates.
2Coverage Period Maximum is $2,000,000 in Indiana.
3Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery (except in Indiana) not exceeding $40,000 per person per Coverage Period. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Certificate of Insurance and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge VCS Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Certificate and applicable Riders, the Certificate and applicable Riders shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate of Insurance carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. Pre-Certification Requirements also apply and can vary by state. Review the Certificate and any applicable Riders for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is required for this group association insurance plan. The Policy is issued to the Healthy America Association as the Master Policyholder and you must be a member of the group to enroll. Membership dues are $15 per month for the entire family and are separate from the plan cost for the optional Short Term Medical insurance premiums. Everest Reinsurance Company, SASid, InsuranceTPA.com, MultiPlan, and PHCS are not affliated with the non-insurance membership benefits and discount programs offered in connection with Benefit Boost 1.0 or the Healthy America Association.
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in HealthBridge VCS. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with Benefit Boost 1.0 or HAA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT INSURANCE.
The program is available to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescribe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings |
|---|---|---|---|
| Cleaning (Prophylaxis) - Adult | $111 | $67 | $44 |
| Cleaning (prophylaxis) - Child | $86 | $52 | $34 |
| Complete X-Rays | $165 | $99 | $66 |
| Root Canal (Anterior) | $951 | $571 | $380 |
| Complete Upper Denture | $1616 | $970 | $646 |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.
No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.
Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.
Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.
This is not insurance.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. Healthy America Association (HAA), Healthy America Insurance Agency, Inc (HealthyAmerica), and H A Partners, Inc. are not a paid affiliates of LifeLock and do not receive any commission from LifeLock or NortonLifeLock Inc. HAA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
we offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Certificate had never been issued. We want you to be 100% satisfied with your HAA HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge VCS (GP) plan.
*These are the sample certificates for the Group Association states (must have HAA membership) for the HealthBridge VCS plan. This is a sample certificate and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific certificate will be issued to your Member Portal.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
Doctors Office Visits, Wellness Visits, Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
KS, KY, LA, MO, NC, ND, NV, OK, & WY
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
Association Membership is not required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou do not have to be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge VCS (IN) plan. Membership in HAA is optional. Plan cost for HealthBridge VCS also include costs for Benefit Boost 1.0, agent compensation and administration.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
The Short Term Medical Insurance in the HealthBridge VCS (IN) plan is underwritten by Everest Reinsurance Company.
1Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery not exceeding $40,000 per person per Coverage Period (except in KS). KY has a separate benefit for Treatment of Alcoholism and NV has a variation for Substance Abuse. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Policy and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge VCS Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Policy, the Policy shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. (Waiting periods are not applicable in KS or ND.) Pre-Certification Requirements also apply and can vary by state. Review the Policy for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is not required for this individual short term medical insurance plan. You can choose to add HAA to your HealthBridge VCS plan but it is not required to enroll in this individual Short Term Medical Insurance.
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in HealthBridge VCS. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with Benefit Boost 1.0 or HAA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT INSURANCE.
The program is available to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescribe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings |
|---|---|---|---|
| Cleaning (Prophylaxis) - Adult | $111 | $67 | $44 |
| Cleaning (prophylaxis) - Child | $86 | $52 | $34 |
| Complete X-Rays | $165 | $99 | $66 |
| Root Canal (Anterior) | $951 | $571 | $380 |
| Complete Upper Denture | $1616 | $970 | $646 |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.
No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.
Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.
Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.
This is not insurance.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. Healthy America Association (HAA), Healthy America Insurance Agency, Inc (HealthyAmerica), and H A Partners, Inc. are not a paid affiliates of LifeLock and do not receive any commission from LifeLock or NortonLifeLock Inc. HAA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
We offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Certificate had never been issued. We want you to be 100% satisfied with your HAA HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge VCS (IN) plan.
| State | Sample Certificate of Insurance |
|---|---|
| Kansas | View Kansas HealthBridge VCS Sample Policy |
| Kentucky | View Kentucky HealthBridge VCS Sample Policy |
| Louisiana | View Louisiana HealthBridge VCS Sample Policy |
| Missouri | View Missouri HealthBridge VCS Sample Policy |
| Nevada | View Nevada HealthBridge VCS Sample Policy |
| North Carolina | View North Carolina HealthBridge VCS Sample Policy |
| North Dakota | View North Dakota HealthBridge VCS Sample Policy |
| Oklahoma | View Oklahoma HealthBridge VCS Sample Policy |
| Wyoming | View Wyoming HealthBridge VCS Sample Policy |
*These are the sample policies for the Individual Insurance states (membership in HAA is not required) for the HealthBridge VCS plan. This is a sample Policy and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific Policy will be issued to your Member Portal.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000 ($2M in IN)
Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Unlimited Doctor Visits with $25 Access Fee* with HC2U
Unlimited In-Facility Urgent Care Visits with $50 Access Fee* with HC2U
Unlimited Virtual Doctor Visits with $0 Access Fee* with HC2U
Annual Physical with 4 Labs* with HC2U
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
**Everest Reinsurance Company, PHCS, MultiPlan, SASid, and InsuranceTPA.com are not affiliated with this non-insurance HC2U Direct Primary Care program. *HC2U Direct Primary Care Value Disclaimer: No walk-ins allowed. Unlimited services (including Virtual DPC/telehealth) must be accessed through Healthcare2U’s Patient Advocacy Line (PAL)™ and all care is provided through Healthcare2U’s physician network. In-office appointments are only available within business hours (Monday through Friday, 7am to 6pm CST). PAL may direct the member to another level of care if appropriate, depending on the member’s condition and utilization of services. Applicable visits fees apply. Healthcare2U’s membership does not include inpatient or outpatient hospital services or critical illness. This is not insurance
Available States:
AL, AR, AZ, DE, FL, GA, IN, MI, MS, NE, OH, SC, TN, TX, VA, WI, & WV
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
For Doctors Visits, Urgent Care Visits & Wellness Visits, see Healthcare2U as part of Benefit Boost 4.0.
Association Membership is required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou must also be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge DPC (GP) plan. Membership dues for HAA are a separate $15 per month for the entire family. Plan cost for HealthBridge DPC also include costs for Benefit Boost 4.0, agent compensation and administration.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network1
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,0002 ($2M in IN)
The Short Term Medical Insurance in the HealthBridge DPC (GP) plan is underwritten by Everest Reinsurance Company.
1In Nebraska, all practitioner, ancillary, and facility charges are reimbursed at 150% of Medicare Allowable Rates.
2Coverage Period Maximum is $2,000,000 in Indiana.
3Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery (except in Indiana) not exceeding $40,000 per person per Coverage Period. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Certificate of Insurance and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge DPC Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Certificate and applicable Riders, the Certificate and applicable Riders shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate of Insurance carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. Pre-Certification Requirements also apply and can vary by state. Review the Certificate and any applicable Riders for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is required for this group association insurance plan. The Policy is issued to the Healthy America Association as the Master Policyholder and you must be a member of the group to enroll. Membership dues are $15 per month for the entire family and are separate from the plan cost for the optional Short Term Medical insurance premiums. Everest Reinsurance Company, SASid, InsuranceTPA.com, MultiPlan, and PHCS are not affliated with the non-insurance membership benefits and discount programs offered in connection with Benefit Boost 4.0 or the Healthy America Association.
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in HealthBridge DPC. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with Benefit Boost 4.0 or HAA Membership.
Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.
DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.
DPC Plus is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.
DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.
Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.
Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.
1Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).
2Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.
3Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.
4Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.
5Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings |
|---|---|---|---|
| Cleaning (Prophylaxis) - Adult | $111 | $67 | $44 |
| Cleaning (prophylaxis) - Child | $86 | $52 | $34 |
| Complete X-Rays | $165 | $99 | $66 |
| Root Canal (Anterior) | $951 | $571 | $380 |
| Complete Upper Denture | $1616 | $970 | $646 |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.
No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.
Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.
Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.
This is not insurance.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. Healthy America Association (HAA), Healthy America Insurance Agency, Inc (HealthyAmerica), and H A Partners, Inc. are not a paid affiliates of LifeLock and do not receive any commission from LifeLock or NortonLifeLock Inc. HAA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
We offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Certificate had never been issued. We want you to be 100% satisfied with your HAA HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge DPC (GP) plan.
*These are the sample certificates for the Group Association states (must have HAA membership) for the HealthBridge DPC plan. This is a sample certificate and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific certificate will be issued to your Member Portal.
Voluntary PPO Network - PHCS Practitioner & Ancillary Network
Coinsurance - 80%/20%
Plan Deductible Options: $5,000 or $10,000
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
Inpatient Hospital Services, Outpatient Services, Mental Disorders, Substance Abuse and more.
Unlimited Doctor Visits with $25 Access Fee* with HC2U
Unlimited In-Facility Urgent Care Visits with $50 Access Fee* with HC2U
Unlimited Virtual Doctor Visits with $0 Access Fee* with HC2U
Annual Physical with 4 Labs* with HC2U
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
**Everest Reinsurance Company, PHCS, MultiPlan, SASid, and InsuranceTPA.com are not affiliated with this non-insurance HC2U Direct Primary Care program. *HC2U Direct Primary Care Value Disclaimer: No walk-ins allowed. Unlimited services (including Virtual DPC/telehealth) must be accessed through Healthcare2U’s Patient Advocacy Line (PAL)™ and all care is provided through Healthcare2U’s physician network. In-office appointments are only available within business hours (Monday through Friday, 7am to 6pm CST). PAL may direct the member to another level of care if appropriate, depending on the member’s condition and utilization of services. Applicable visits fees apply. Healthcare2U’s membership does not include inpatient or outpatient hospital services or critical illness. This is not insurance
Available States:
KS, KY, LA, MO, NC, ND, NV, OK, & WY
Search the PHCS Practitioner
& Ancillary Network for participating providers.
(Not applicable in NE and not applicable for Facilities)
For Doctors Visits, Urgent Care Visits & Wellness Visits, see Healthcare2U as part of Benefit Boost 4.0.
Association Membership is not required.
1st and 15th Effective Dates available
Plan Cost varies by state, gender and number of family members.
GET A QUOTEYou do not have to be a member of Healthy America Association (HAA) in order to enroll in the HealthBridge DPC (IN) plan. Membership in HAA is optional. Plan cost for HealthBridge DPC also include costs for Benefit Boost 4.0, agent compensation and administration.
Voluntary PPO Network: PHCS Practitioner & Ancillary Network
Coinsurance: 80% / 20%
Plan Deductible: Choice of $5,000 or $10,000. Maximum of 3 deductibles per Family per Coverage Period.
Out-of-Pocket Maximum: $2,000
Coverage Period Maximum: $1,000,000
The Short Term Medical Insurance in the HealthBridge DPC (IN) plan is underwritten by Everest Reinsurance Company.
1Some benefits are subject to Benefit Limits and all benefits listed above are per coverage period. Average Standard Room Rate and Hospital ICU benefit limit is $5,000 per day. Inpatient and Outpatient Surgeon benefit limit is $20,000 per surgery not exceeding $40,000 per person per Coverage Period (except in KS). KY has a separate benefit for Treatment of Alcoholism and NV has a variation for Substance Abuse. Additional benefit limits can apply and benefit limits can vary by state. Please review the state specific Policy and Schedule of Benefits for all benefit limits, terms, limitations, and exclusions. The description above is a general overview of the coverage available in the HealthBridge VCS Short Term Medical insurance plan underwritten by Everest Reinsurance Company. If there are any discrepancies between above and the Policy, the Policy shall govern. Pre-Existing Limitations apply to some benefits.
The Short Term Medical Insurance plan provides limited benefits. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy carefully to make sure you are aware of any exclusions and limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your Policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage".
No Benefits are payable for Sicknesses which arise during the first 5 days following a Covered Person's Effective Dates. No benefits are payable for cancer which arises during the first 30 days following a Covered Person's Effective Date. (Waiting periods are not applicable in KS or ND.) Pre-Certification Requirements also apply and can vary by state. Review the Policy for details.
Everest Reinsurance Company Disclosure:
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Membership in the Healthy America Association (HAA) is not required for this individual short term medical insurance plan. You can choose to add HAA to your HealthBridge DPC plan but it is not required to enroll in this individual Short Term Medical Insurance.
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in HealthBridge DPC. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with Benefit Boost 4.0 or HAA Membership.
Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.
DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.
DPC Plus is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.
DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.
Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.
Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.
1Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).
2Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.
3Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.
4Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.
5Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings |
|---|---|---|---|
| Cleaning (Prophylaxis) - Adult | $111 | $67 | $44 |
| Cleaning (prophylaxis) - Child | $86 | $52 | $34 |
| Complete X-Rays | $165 | $99 | $66 |
| Root Canal (Anterior) | $951 | $571 | $380 |
| Complete Upper Denture | $1616 | $970 | $646 |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.
No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.
Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.
Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.
This is not insurance.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. Healthy America Association (HAA), Healthy America Insurance Agency, Inc (HealthyAmerica), and H A Partners, Inc. are not a paid affiliates of LifeLock and do not receive any commission from LifeLock or NortonLifeLock Inc. HAA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
We offer a refund policy on all HAA membership programs. If you are not satisfied, you may cancel, and a refund will be issued if the cancellation occurs within the first ten (10) day right to examine period and as long as a claim has not been made. Once refunded during the ten (10) day right to examine period, it will be as if the Certificate had never been issued. We want you to be 100% satisfied with your HAA HealthBridge membership benefits and services.
This is a brief description of the program. Please review the document(s) below for full details, including terms, conditions, limitation, and exclusions.
You do have to be a member in the Healthy America Association (HAA) in order to enroll in this HealthBridge DPC (IN) plan.
| State | Sample Certificate of Insurance |
|---|---|
| Kansas | View Kansas HealthBridge DPC Sample Policy |
| Kentucky | View Kentucky HealthBridge DPC Sample Policy |
| Louisiana | View Louisiana HealthBridge DPC Sample Policy |
| Missouri | View Missouri HealthBridge DPC Sample Policy |
| Nevada | View Nevada HealthBridge DPC Sample Policy |
| North Carolina | View North Carolina HealthBridge DPC Sample Policy |
| North Dakota | View North Dakota HealthBridge DPC Sample Policy |
| Oklahoma | View Oklahoma HealthBridge DPC Sample Policy |
| Wyoming | View Wyoming HealthBridge DPC Sample Policy |
*These are the sample policies for the Individual Insurance states (membership in HAA is not required) for the HealthBridge DPC plan. This is a sample Policy and is not an insurance contract and is used for purposes of reviewing the membership coverage. Upon enrollment, acceptance and initial payment collected, the member specific Policy will be issued to your Member Portal.
Choose from a variety of plan options available as a HAA member or that is endorsed by HAA:
Discover how becoming a member of HAA can open doors to savings on health, wellness, safety, and access to group insurance programs.
Our Dental Discount and Vision Insurance Plans offer savings on exams, treatments, and eyewear, keeping your oral and visual health in check affordably.
Explore our Benefit Boost plans today to discover a variety of customizable options that cater to your unique health and wellness needs.
Healthy America Association does not require members to enroll or purchase any group or individual insurance to become a member of HAA. The optional association group insurance is only available to members of HAA who have the desire to enhance their membership. All group association insurance offered through HAA does not provide major medical or comprehensive medical coverage and is not designed to replace traditional major medical insurance like ACA. Further, the insurance coverage available is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Membership includes multiple non-insurance services and benefits, including access to insurance products. All plan descriptions above are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance or Policy for each plan to determine coverage benefits, availability, terms, conditions, limitations, and exclusions. If there are any discrepancies between the descriptions above and the Certificate(s), Policy(s) and Membership Guide(s), the Certificate(s), Policy(s), and Membership Guide(s) will govern.
This Short-Term Medical product is underwritten by Everest Reinsurance Company (or Everest Denali Insurance Company), depending on jurisdiction. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Not all products and product features may be availabl in all jurisdictions and availability may be subject to business and regulatory approval in each jurisdiction.
Healthy America Association (HAA) is not affiliated with Everest. No employees, agents, and/or representatives of Everest are involved in the operation of Healthy America Association, HealthyAmerica or H A Partners, Inc., and neither Healthy America Association, HealthyAmerica, or H A Partners, Inc. nor its employees, agents and/or representatives are authorized to act or speak on behalf of Everest.
Healthy America Association (HAA), Vision Service Plan (VSP), Everest Reinsurance Company, PHCS, MultiPlan, Lyric Health, Paramount RX®, Aetna Dental Access®, LifeLock®, FamilySource®, Healthcare2U, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
Healthy America Insurance Agency, Inc. is the exclusive marketer for the Healthy America Association (Agency CA License OG32190 and NPN #7979686).