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Plan Description

        • Plan Anniversary

          December 31, 2024

        • Enrollment

          18th of month Prior to Effective date

        • Issue Ages

          18+

        • States Available

          Available in All States

        • Network



          1. Visit: https://www.multiplan.com/webcenter/portal/ProviderSearch
            Click Select a Network and choose PHCS then Specific Services
        • Preventative Services

          100% Coverage for Mandated Preventative Services
          Adults | Woman | Children

        • Primary Care Visit

          $15 Copay (Unlimited)

        • Specialist Office Visit

          Network Discount

        • Urgent Care

          $50 Copay (unlimited)

        • Diagnostic X-Ray, Lab

          Network Discount

        • CT Scan or MRI

          Covered Under Accident Indemnity

        • Accident Indemnity


          (Included with Bronze & Platinum Plans)

          • No limits, no max
          • Hospital pays out anytime hospitalized up to 365 days a year
          • Pays out for every accident
          • No industry exclusions
          • Guaranteedd Issue
        • Hospital Indemnity

          Not Covered

        • Medical Bill Negotiation


          View Details
        • Plan Anniversary

          December 31, 2024

        • Enrollment

          18th of month Prior to Effective date

        • Issue Ages

          18+

        • States Available

          Available in All States

        • Network



          1. Visit: https://www.multiplan.com/webcenter/portal/ProviderSearch
            Click Select a Network and choose PHCS then Specific Services
        • Preventative Services

          100% Coverage for Mandated Preventative Services
          Adults | Woman | Children

        • Primary Care Visit

          $15 Copay (Unlimited)

        • Specialist Office Visit

          $15 Copay (Unlimited)

        • Urgent Care

          $50 Copay (Unlimited)

        • Diagnostic X-Ray, Lab

          $50 Copay (Unlimited)

        • CT Scan or MRI

          Not Covered

        • Accident Indemnity

          Not Covered

        • Hospital Indemnity

          Not Covered

        • Medical Bill Negotiation


          View Details
        • Plan Anniversary

          December 31, 2024

        • Enrollment

          18th of month Prior to Effective date

        • Issue Ages

          18+

        • States Available

          Available in All States

        • Network



          1. Visit: https://www.multiplan.com/webcenter/portal/ProviderSearch
            Click Select a Network and choose PHCS then Specific Services
        • Preventative Services

          100% Coverage for Mandated Preventative Services
          Adults | Woman | Children

        • Primary Care Visit

          $15 Copay (Unlimited)

        • Specialist Office Visit

          $15 Copay (Unlimited)

        • Urgent Care

          $50 Copay (Unlimited)

        • Diagnostic X-Ray, Lab

          $50 Copay (Unlimited)

        • CT Scan or MRI

          $200 Copay
          (Max 1 CT Scan or MRI Visits Per Cal/Yr.) *

        • Accident Indemnity

          Not Covered

        • Hospital Indemnity

          Not Covered

        • Medical Bill Negotiation


          View Details
        • Plan Anniversary

          December 31, 2024

        • Enrollment

          18th of month Prior to Effective date

        • Issue Ages

          18+

        • States Available

          Available in All States

        • Network



          1. Visit: https://www.multiplan.com/webcenter/portal/ProviderSearch
            Click Select a Network and choose PHCS then Specific Services
        • Preventative Services

          100% Coverage for Mandated Preventative Services
          Adults | Woman | Children

        • Primary Care Visit

          $15 Copay (Unlimited)

        • Specialist Office Visit

          $15 Copay (Unlimited)

        • Urgent Care

          $50 Copay (Unlimited)

        • Diagnostic X-Ray, Lab

          $50 Copay (Unlimited)

        • CT Scan or MRI

          $200 Copay
          (Max 1 CT Scan or MRI Visits Per Cal/Yr.)

        • Accident Indemnity


          (Included with Bronze & Platinum Plans)

          • No limits, no max
          • Hospital pays out anytime hospitalized up to 365 days a year
          • Pays out for every accident
          • No industry exclusions
          • Guaranteedd Issue
        • Hospital Indemnity


          View Hospital Details
        • Medical Bill Negotiation


          View Details

      Prescription Drugs

        • Rx Formulary


          View Citizens RX Formulary
        • Rx Benefits

          Discount Pharmacy Card

          No Deductibles, No Annual Maximums, No Exclusions, No Pre-Existing Conditions.

          Ability to purchase a 90-day supply of maintenance medications at retail locations

          31-Day Supplies on most prescriptions

          Mail Order:

          Mail order pharmacy services on both Generic and Brand Name drugs.

          Generic:

          Up to 30%-80% Savings

          Brand Name:

          Up to 30%-80% Savings.

      * 3D MRIs or Contrast Services for MRIs and CT Scans are not covered, pre-authorization required prior to scans. ** Hospitalization services must be obtained at an authorized PHCS Facility. Pre-Authorization required prior to admission for all in-patient, out-patient and surgical procedures.

      ACCIDENT INDEMNITY

      (Included with Bronze & Platinum Plans)

      • No limits, no max
      • Hospital pays out anytime hospitalized up to 365 days a year
      • Pays out for every accident
      • No industry exclusions
      • Guaranteedd Issue

      INPATIENT

      Daily Hospital Confinement
      Maximum
      $150 / Day
      365 Days
      Hospital Admission
      Per Hospital Confinement
      $1,000
      Daily Intensive Care
      Maximum
      $450 / Day
      30 Days
      Surgery: Abdominal, Thoracic, Tendon, Ligament, Rotator Cuff$750 / Day
      Anesthesia$187.50 /Day
      Continuous Care(1)
      Maximum
      $90 / Day
      30 Days

      OUTPATIENT

      Physician's Office$25 / Day
      6 Per Calendar Year
      Wellness Benefit$25 / Day
      1 Per Calendar Year
      Emergency Room$75 / Day
      3 Per Calendar Year
      Lab, EKG and other Diagnostic Tests$20 Per Test Day
      1 Per Calendar Year
      X-Ray, Echocardiography and Cardiovascular Ultrasound$20 Per Test Day
      2 Per Calendar Year
      Advanced Studies(2)$100 / Day
      1 Per Calendar Year
      Ambulatory Surgical Center$25 / Day
      Surgery: Abdominal, Thoracic, Tendon, Ligament, Rotator Cuff$750 / Day
      Anesthesia$187.50 /Day
      Ambulance Services Ground$120 / Day
      1 Per Calendar Year
      Ambulance Services Air$1,000 / Day
      1 Per calendar Year
      Lodging Maximum$100 I Day
      15 Per calendar Year
      Prosthesis$500
      Transportation$300 / Day 3 Per Calendar Year
      Accidental Death$20,000
      Accidental Death on Common earner$40,000
      Dislocation Benefit$1,000
      Fracture Benefit$1,000
      Burn Benefit$7,500
      Coma$10,000
      Dismemberment$10,000
      Paralysis$10,000

      1) Continuous Care means care received in a Skilled Nursing Facility, Rehabilitation Facility, Rehabilitation Un􀀃 or Home Health Care or Hospice. The Continuous Care must begin within 7 days following discharge from a hospital and be necessary to treat the same condition that caused the hosp􀀃alization. Benefits are payable for a period equal to the length of the preceding hospital stay not to exceed 30 days.

      (2) Advanced studies tests consist of the following: Magnetic Resonance Imaging (MRI); Magnetic Resonance Angiography (MRA); Computed Axial Tomography (CAT Scans); Pos􀀃ron Emission Tomography (PET Scans); and Computed Tomography (CT scans).

      • (1) Injury facts. (2014). Itasca, IL: National Safety Council.
      • (2) Moore, B., Levit, K., & Elixhauser, A. (2014, October). Costs for Hospital Stays in the United States, 2012 #181. Retrieved March 02, 2017, from https://www.hcup-us.ahrq.gov/reports/statbriefs/sb181-Hospital-Costs-United- States-2012.jsp
      Underwritten by

      HOSPITAL INDEMNITY

      (Included with Platinum Plan Only)


      • All benefits are per calendar year.
      • Hospital Admission is per admission.
      • Guaranteed Issue
      Hospital Admission$2,500
      Hospital Confinement$100 / Day
      10 days Max
      Wellness$50 / Year
      Rehab (Continuous Care)$100 / Day
      15 day max
      Underwritten by




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