are you paying too much for your health insurance?
If you could save $200-$500 on your monthly premium, would you?
Each Defined Health Plan is re-enforced with an Accident & Critical Illness Policy.
How it works
The Multi-Plan PHCS Network is one of the oldest and largest PPO networks in the country
Repricing only happens with in-network medical service providers
This is an actual statement of services rendered with an in-network medical provider. You can see close to a 57% discount was applied to services.
value added features
You can use TelaDoc instead of going to the doctors office.
Concierge service which will help you find an in-network medical provider and even schedule the appointment for you.
The Surgery Saver will shop any non-emergency surgery with in-network and out of network surgery centers. All you have to provide Karis are the CPT codes for your procedure. Ask you doctor for the CPT codes
The Bill Negotiator will negotiate directly with the medical service providers to lower any outstanding balance over $2,500 after your benefits have been paid. Karis 360 has a documented success rate of 70% of successfully lowering the bill and a documented success rate of 25% of getting the bill to ZERO dollars owed.
PRAM is fully insured and guaranteed issue prescription drug plan
why strategic coverage
Our Critical Illness plan has 2 separate categories so it’s like getting 2 policies in 1. The policy will pay for each category.
Category 1 - First occurrence internal cancer
Category 2 - Heart Attack, Stroke, Transplant (see policy for full details)
Accident policies are excellent protection when you have children in athletics or you have a high risk of injury job.
