Health Essentials

Health Essentials — healthcare professional providing quality care
Health Insurance

Health Essentials

$129/month

Stay healthy and financially protected with a health plan that balances affordability and comprehensive care. Health Essentials covers preventive services, doctor visits, prescriptions, and emergency care through a nationwide network of trusted providers.

Whether you're between jobs, self-employed, or supplementing employer coverage, this plan delivers the essentials you need without unnecessary complexity or inflated premiums.

Preventive care included
Nationwide network
Rx coverage

No payment is collected online. A representative will contact you after checkout.

Plan Benefits

Healthcare That Works for You

Practical health coverage focused on keeping you well and managing costs when care is needed.

Preventive Wellness

Annual checkups, screenings, and immunizations covered at no additional cost to keep you ahead of health issues.

Hospital Coverage

Inpatient and outpatient hospital services with predictable copays so you can focus on recovery, not bills.

Prescription Savings

Generic and brand-name medications at reduced rates through our pharmacy benefit network.

Telehealth Access

Virtual visits with board-certified physicians for common conditions — available 24/7 from anywhere.

Key Features

Essential Coverage, Clearly Defined

Health Essentials includes the core benefits most individuals and families need — without paying for extras you won't use.

  • $0 copay for preventive care and annual wellness visits
  • Primary care visits with low fixed copays
  • Specialist referrals with in-network pricing
  • Emergency room and urgent care coverage
  • Mental health and behavioral services included
  • Annual out-of-pocket maximum for cost protection
Coverage Details

What's Covered and What's Not

Understand your health benefits before you need them — clarity builds confidence.

What's Covered

  • Preventive screenings, vaccines, and wellness exams
  • Primary care and specialist physician visits
  • Inpatient and outpatient hospital services
  • Emergency and urgent care treatment
  • Prescription drugs (generic and preferred brand)
  • Mental health counseling and substance abuse treatment

What's Not Covered

  • Cosmetic procedures not medically necessary
  • Experimental or investigational treatments
  • Out-of-network care without prior authorization
  • Weight-loss surgery without medical necessity review
  • Fertility treatments and elective sterilization reversal
  • Services received before effective date of coverage
Questions & Answers

Health Essentials FAQ

Common questions about enrollment, networks, and how this plan compares to employer coverage.

Health Essentials uses a broad PPO network with thousands of providers nationwide. Before enrolling, you can verify your preferred physicians and hospitals through our provider directory or by asking your advisor to check on your behalf.

Health Essentials meets essential health benefit standards and covers pre-existing conditions without waiting periods. Your advisor will confirm how this plan aligns with your state requirements and any applicable subsidies.

Yes. You can enroll your spouse and dependent children on the same policy. Family premiums are calculated based on the number of covered members and their ages. Contact your advisor for a personalized family quote.

The annual out-of-pocket maximum caps your total spending on covered services each plan year. Once you reach this limit, the plan pays 100% of eligible in-network costs for the remainder of the year. Your advisor will provide the exact figure for your enrollment tier.
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Prioritize Your Well-Being

Enroll in Health Essentials and gain access to quality care, preventive services, and peace of mind for you and your family.

Get Health Coverage