R E I N V E N T I N G H E A LT H C A R E C H O I C E S .

Reinventing HealthCare Choices

Coverage Includes

Health Plan

Illness Accident Dental/Vision/Hearing

Out of Pocket

MEC Prescription Drug

Life Insurance

Coverage Includes

R E I N V E N T I N G H E A LT H C A R E C H O I C E S .

Reinventing Health Care Choices

Fixed Benefit Health PlanA fixed benefit health plan provides

coverage for in-patient hospital, out-patient surgical, skilled nursing, doctor visits, x-ray labs, prescription drugs, and much more. While you can use any doctor or hospital you choose without penalty, you have the option of accessing the PHCS Multiplan Network to take advantage of great savings at no additional costs.

Critical IllnessThanks to medical advances more and

more people are surviving major catastrophic medical issues such as cancer, heart attack, and stroke. Unfortunately, it places a tremendous financial strain on the family. Critical Illness (CI) coverage protects your financial security and provides benefits for things like deductibles, prescriptions, rehabilitation, treatments not covered by existing insurance, your bills, your expenses, and lost wages.

AccidentAccidents happen when you least expect

them – at home, at work, while playing or traveling. Accident coverage provides protection when you need it most but are expecting it the least. Also included is disability coverage to help provide a critical income until you can get back on your feet.

Dental/Vision/HearingDental insurance is not just important

to help you look good, it’s also important for good health. Regular cleanings are also essential to your physical health and quality of life. With Dental/Vision/Hearing plans priced lower than ever before, everyone can afford coverage.

Out Of Pocket ProtectionWith today’s rising cost of health care and

health insurance premiums, many individuals have higher deductibles and more out-of-pocket costs. Out of Pocket Protection helps pay for deductibles and copayments.

Minimum Essential Coverage (MEC)

Minimum Essential Coverage (MEC) includes preventive and wellness services. It provides access to important medical screenings, vaccines, counseling, and more to help you stay healthy. The MEC plan we offer is penalty proof, protecting you from taxation penalties under the Individual Mandate of the Affordable Care Act.

Prescription Drug CoveragePrescription drugs are the fastest growing

costs in health care. Our Prescription Drug plan provides you with unparalleled control to customize coverage that’s right for you.

Life InsuranceLife Insurance is a way to leave money

behind for the people who depend on you for financial support. Funds can be used to pay for funeral costs, meet living expenses, or pay off any debts. Some plans also offer living benefits in the case of a critical illness while alive. Coverage levels for 20 years of quality, level term insurance are available up to $200,000 per life.

Reinventing Health Care Choices

Fixed Benefit Health Plan Manhattan Life Classic

Manhattan Life Elite

Deductible: This deductible applies to the Facility Fees and

Professional Services.n/a n/a

Inpatient Hospital confinement: The plan will pay the daily Fixed Benefit selected if any Covered Person incurs charges for and is Confined in a Hospital.

$2,000 per day plus

$1,000 for first day

$3,000 per day plus

$2,000 for first day

Surgical Services: The plan will pay the daily surgical Fixed Benefit if

any Covered Person undergoes a surgical procedure when performed

in a Hospital or in an outpatient Surgical Center due to an eligible Injury

or Sickness. (Maximum of $50,000 per calendar year)

Surgical

Schedule

Surgical

Schedule

Emergency Room or Urgent Care: (Limit 1 benefit per covered

person per Calendar Year)$125 per day $250 per day

Ambulance: (Limit of 2 ambulance transportation benefits per calendar year)

Air $1,000,

Ground $100

Air $1,000,

Ground $100

Doctor Office Visit (Doctor office visits have a maximum 3 days per calendar year for Classic, maximum 4 days for Elite.)

$50 per day $75 per day

Prescription Drugs ($750 calendar year max) $25 $25

Outpatient Services and Doctor visits: This benefit includes x-rays,

labwork, and MRIs. ($2,000 calendar year max.)$100 - $250 $100 - $500

Calendar Year Max $100,000 $200,000

Lifetime Max $2,000,000 $2,000,000

Value-Added Benefits PHCS Multiplan network – while you have the freedom to choose any doctor, any hospital, anywhere without penalty, you have the option of accessing the PHCS Multiplan Limited Benefit network to take advantage of great cost savings.

Simple application – applying is fast, simple and easy. There are no physical exams and no telephone interviews. There are also no rate ups or modifications.

R E I N V E N T I N G H E A LT H C A R E C H O I C E S .

888-362-1214northamericanhealthplans.com

2500 Legacy Drive, Suite #130Frisco, TX 75034

Contact us: 888-362-1214

*These are Fixed Benefit health plans. Exclusions and limitations apply. See outline of coverage for details. This plan will not pay benefits for events that result from or are related to a pre- existing condition or its complications, until the covered person has been continuously insured under this plan for 12 months. After this period, benefits will be available for events resulting from or related to a pre- existing condition or its complications, provided that the covered event occurs while this plan is in force.

Reinventing Health Care Choices

ML_9/17