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Enroll anytime, you don’t have to wait until Open Enrollment

Using a program offered thru the National Consumer Benefits Association (NCBA) you can lower your monthly expense for Healthcare Coverage dramatically, maintain excellent protection for you and your family and see the doctors you want to see. Click Here for NCBA – Program Brochure

 

Advantage Plan

 
Age: 20-29
Member $296.53
Member/Spouse: $497.74
Member/Children: $474.42
Member/Family: $687.33
 
 
Age: 30-39
Member $307.53
Member/Spouse: $518.74
Member/Children: $494.42
Member/Family: $718.33
 
 
Age: 40-49
Member $322.53
Member/Spouse: $549.74
Member/Children: $524.42
Member/Family: $763.33
 
 
Age: 50-59
Member $360.53
Member/Spouse: $625.74
Member/Children: $596.42
Member/Family: $873.33
 
 
Age: 60-64
Member $521.53
Member/Spouse: $947.74
Member/Children: $901.42
Member/Family: $1,339.33
 
*Nonsmoker

 

100% Coverage, no Copay for Mandated Preventive Care Services

  • All 21 Preventive Services for Adults
  • All 28 Preventive Services for Women
  • All 31 Preventive Services for Children

Primary Care Office Visit
$20 Copay (Max 3 visits per calendar year)

Specialists Office Visit
$50 Copay (Max 3 visits per calendar year)

Urgent Care
$50 Copay (Max 3 visits per calendar year)

Diagnostic X‐Ray & Laboratory Services
$50 Copay (Max of 5 Services per calendar year)

CT Scan or MRI
$200 Copay (Max 1 MRI or CT Scan per calendar year)

Hospitalization or Major Medical Needs – Covered after $2,500 Initial Unsharable Amount

Prescription Drug Benefits ‐ WelldyneRx®

Tier 1 – Low Cost Generics
$1 Copay

Tier 2 ‐ Generics
10% Coinsurance

Tier 3 ‐ Preferred Brand
20% Coinsurance

Tier 4 – Non‐Preferred Brand
40% Coinsurance

Tier 5 – Specialty Generic and Preferred
10% Coinsurance (Plan pays 90% up to a max of $150 per Rx)

Tier 6 – Non‐Preferred Specialty
20 % Coinsurance (Plan pays 80% up to a max of $250 per Rx)

3D MRIs are not covered. Enhanced imaging services, the use of a contrast material to enhance the MRI or CT Scan is not a covered service. The base MRI or CT Scan only are covered.

 

High Deductible Health Plan (HDHP/100% Preventive)
Health Saving Account Qualified (HSA)

 
Age: 20-29
Member $206.21
Member/Spouse: $327.92
Member/Children: $323.92
Member/Family: $419.92
 
 
Age: 30-39
Member $234.31
Member/Spouse: $381.92
Member/Children: $374.92
Member/Family: $498.92
 
 
Age: 40-49
Member $249.31
Member/Spouse: $414.92
Member/Children: $405.92
Member/Family: $544.92
 
 
Age: 50-59
Member $273.31
Member/Spouse: $461.92
Member/Children: $450.92
Member/Family: $612.92
 
 
Age: 60-64
Member $430.31
Member/Spouse: $774.92
Member/Children: $747.92
Member/Family: $1,066.92
 
*Nonsmoker

 

100% Coverage, no Copay for Mandated Preventive Care Services

  • All 21 Preventive Services for Adults
  • All 28 Preventive Services for Women
  • All 31 Preventive Services for Children

HSA Compatible

HSA Account Included

Annual Deductible
$3,000 Ind / $6,000 Family Not Applicable

Coinsurance
80% of Negotiated Rate

Annual Out‐of‐Pocket maximum
$6,650 Ind / $13,300 Family Not Applicable

Covered Medical Services (HDHP)

Physician Office Visit (Primary Care),

Laboratory Services, Urgent Care Only

Hospitalization or Major Medical Needs – Covered after $5,000 Initial Unsharable Amount

 

 
 

This program is an alternative to traditional Medical Insurance, it has 2 parts,

1. Apex Management offers a MEC or Minimum Essential Coverage, it covers your preventive care, physicals, mammograms, office visits and routine care.

Click Here for NCBA - Advantage Plan Summary of Benefits
Click Here for NCBA - HDHP Plan Summary of Benefits

2. Sedera Health is a Community Based Medical Sharing Program. This program will pay for Hospitalization or Major Medical needs. Click Here for NCBA - Sedera Guidelines

Together these two (2) plans provide excellent coverage on a single platform with a single payment. This program gives you the coverage you need with premiums that fit your budget

"Additional program choices are also available" I look forward to us working together!