Find the Perfect Plan
Available Health Plans
Modern health benefits, made simple. Clear coverage, nationwide provider access,
and easy ways to get care when you need it.
Platinum 1.2
Cigna & PHCS
Full Medical Coverage
- Deductible: $0.00 / $0.00
- Max OOP: $1,250 / $2,500
- Co‑Insurance: 70 / 30
- Primary Care: $25 copay
From $799 /mo
View Plan DetailsGold 2.0
Cigna & PHCS
Full Medical Coverage
- Deductible: $1,000 / $2,000
- Max OOP: $3,500 / $7,000
- Co‑Insurance: 80 / 20
- Primary Care: $15 copay
From $729 /mo
View Plan DetailsSilver 3.2
Cigna & PHCS
Full Medical Coverage
- Deductible: $3,000 / $6,000
- Max OOP: $10,000 / $12,000
- Co‑Insurance: 80 / 20
- Primary Care: $35 copay
From $659 /mo
View Plan DetailsBronze 4.4
Cigna & PHCS - HSA Qualified
Full Medical Coverage
- Deductible: $6,000 / $12,000
- Max OOP: $7,000 / $14,000
- Co‑Insurance: 70 / 30
- Primary Care: 30% After Ded
From $559 /mo
View Plan DetailsMVP
PHCS - HSA Qualified
Catastrophic Coverage
- Deductible: $5,000 / $10,000
- Max OOP: $9,000 / $18,000
- Co‑Insurance: 60 / 40
- Primary Care: $50 copay
From $269 /mo
View Plan DetailsFull Health Plan Silver 3.2
- Cigna Network (Main) / PHCS Network (Secondary)
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Prescription Drug Coverage
Enjoy Affordable Rates on Essential Medications. - Virtual Care Visits
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Dedicated Healthcare Concierge
Help with In-Network Care, Prescriptions & More!
- Deductible - $3,000 / $6,000
The amount you pay out of pocket before the plan begins sharing costs with you. - Max Out-of-Pocket - $6,000 / $12,000
Once you reach this limit, 100% of eligible costs are covered for the rest of the year. - Co-Insurance - 80 / 20
After your deductible is met, the plan pays 80% and you pay 20% of covered services. - Wellness - $0
Preventive care visits are fully covered with no copay and no deductible required. - Primary Care - $35
Flat rate copay per visit with your primary care physician. No deductible required. - Specialty Care - $55
Flat rate copay per visit within the Cigna & PHCS network. - Urgent Care - $55
$55 copay per urgent care visit. No appointment needed for in-network care.
Cigna Providor Network (Primary)
Cigna Provider SearchPHCS Providor Network (Secondary)
PHCS Provider SearchThe Power of Two Networks
This plan is powered by the Cigna network as the primary provider network, with PHCS as a secondary nationwide network.
Individual
$659 / month
Individual + Spouse
$1,259 / month
Individual + Children
$1,189 / month
Family
$2,189 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
- Start enrollment
- No referral needed for specialists
- Cigna & PHCS dual network access
- Telehealth included at no extra cost
DISCLAIMER – GROUP HEALTH PLAN QUOTE
This is provided for informational purposes only and constitutes a preliminary proposal for group health plan coverage. It is not a binding contract, nor does it guarantee coverage, eligibility, or final rates.
The policy and pricing outlined herein represent a proposed quote and are subject to final underwriting approval, which will include a review of required health attestations and other relevant documentation. Final terms, rates, and coverage options may differ based on underwriting outcomes.
This quote is intended exclusively for group health plan purposes and is not applicable to individual health insurance. All plan benefits, terms, and conditions are subject to the final policy issued by the carrier.
The issuer reserves the right to amend, modify, or withdraw this proposal at any time prior to formal acceptance and underwriting approval.
Full Health Plan Bronze 4.4 / HSA
- Cigna Network (Main) / PHCS Network (Secondary)
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Prescription Drug Coverage
Enjoy Affordable Rates on Essential Medications. - Virtual Care Visits
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Dedicated Healthcare Concierge
Help with In-Network Care, Prescriptions & More!
- Deductible - $6,000 / $12,000
The amount you pay out of pocket before the plan begins sharing costs with you. - Max Out-of-Pocket - $7,000 / $14,000
Once you reach this limit, 100% of eligible costs are covered for the rest of the year. - Co-Insurance - 70 / 30
After your deductible is met, the plan pays 70% and you pay 30% of covered services. - Wellness - $0
Preventive care visits are fully covered with no copay and no deductible required. - Primary Care - 30% after deductible
30% copay per visit with your primary care physician. No deductible required. - Specialty Care -30% after deductible
Flat rate copay per visit within the Cigna & PHCS network. - Urgent Care - 30% after deductible
30% copay per urgent care visit. No appointment needed for in-network care.
Cigna Providor Network (Primary)
Cigna Provider SearchPHCS Providor Network (Secondary)
PHCS Provider SearchThe Power of Two Networks
This plan is powered by the Cigna network as the primary provider network, with PHCS as a secondary nationwide network.
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
- Start enrollment
- No referral needed for specialists
- Cigna & PHCS dual network access
- Telehealth included at no extra cost
Full Health Plan Gold 2.0
- Cigna Network (Main) / PHCS Network (Secondary)
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Prescription Drug Coverage
Enjoy Affordable Rates on Essential Medications. - Virtual Care Visits
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Dedicated Healthcare Concierge
Help with In-Network Care, Prescriptions & More!
- Deductible - $1,000 / $2,000
The amount you pay out of pocket before the plan begins sharing costs with you. - Max Out-of-Pocket - $3,500 / $7,000
Once you reach this limit, 100% of eligible costs are covered for the rest of the year. - Co-Insurance - 80 / 20
After your deductible is met, the plan pays 80% and you pay 20% of covered services. - Wellness - $0
Preventive care visits are fully covered with no copay and no deductible required. - Primary Care - $15
Flat rate copay per visit with your primary care physician. No deductible required. - Specialty Care -$40
Flat rate copay per visit within the Cigna & PHCS network. - Urgent Care - $40
$40 copay per urgent care visit. No appointment needed for in-network care.
Cigna Providor Network (Primary)
Cigna Provider SearchPHCS Providor Network (Secondary)
PHCS Provider SearchThe Power of Two Networks
This plan is powered by the Cigna network as the primary provider network, with PHCS as a secondary nationwide network.
Individual
$729 / month
Individual + Spouse
$1,399 / month
Individual + Children
$1,319 / month
Family
$2,579 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
- Start enrollment
- No referral needed for specialists
- Cigna & PHCS dual network access
- Telehealth included at no extra cost
Full Health Plan Platinum 1.2
- Cigna Network (Main) / PHCS Network (Secondary)
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Prescription Drug Coverage
Enjoy Affordable Rates on Essential Medications. - Virtual Care Visits
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Dedicated Healthcare Concierge
Help with In-Network Care, Prescriptions & More!
- Deductible - $0 / $0
The amount you pay out of pocket before the plan begins sharing costs with you. - Max Out-of-Pocket - $1,250 / $2,500
Once you reach this limit, 100% of eligible costs are covered for the rest of the year. - Co-Insurance - 70 / 30
After your deductible is met, the plan pays 70% and you pay 30% of covered services. - Wellness - $0
Preventive care visits are fully covered with no copay and no deductible required. - Primary Care - $25
Flat rate copay per visit with your primary care physician. No deductible required. - Specialty Care -$45
Flat rate copay per visit within the Cigna & PHCS network. - Urgent Care - $45
$45 copay per urgent care visit. No appointment needed for in-network care.
Cigna Providor Network (Primary)
Cigna Provider SearchPHCS Providor Network (Secondary)
PHCS Provider SearchThe Power of Two Networks
This plan is powered by the Cigna network as the primary provider network, with PHCS as a secondary nationwide network.
Individual
$799 / month
Individual + Spouse
$1,499 / month
Individual + Children
$1,459 / month
Family
$2,759 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
- Start enrollment
- No referral needed for specialists
- Cigna & PHCS dual network access
- Telehealth included at no extra cost
Catastrophic Coverage Plan MVP
- Nationwide PHCS Network - HSA Qualified
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Rx Discount Program
Enjoy discounted rates on Essential Medications. - Virtual Care Visits
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Dedicated Healthcare Concierge
Help with In-Network Care, Prescriptions & More! - Who's this for?
The MVP Plan is a great fit for generally healthy people who do not manage chronic illnesses and want simple, affordable support for everyday healthcare needs.
- Deductible - $5,000 / $10,000
The amount you pay out of pocket before the plan begins sharing costs with you. - Max Out-of-Pocket - $9,000 / $18,000
Once you reach this limit, 100% of eligible costs are covered for the rest of the year. - Co-Insurance - 60 / 40
After your deductible is met, the plan pays 60% and you pay 40% of covered services. - Wellness - $0
Preventive care visits are fully covered with no copay and no deductible required. - Primary Care - $50
Flat rate copay per visit with your primary care physician. No deductible required. - Specialty Care -$75
Flat rate copay per visit within the Cigna & PHCS network. - Urgent Care - $75
$75 copay per urgent care visit. No appointment needed for in-network care.
PHCS Providor Network (Secondary)
PHCS Provider SearchChoose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
- Start enrollment
- No referral needed for specialists
- Nationwide PHCS network access
- Telehealth included at no extra cost
Limited Coverage Plans
Optional plans to enhance your coverage. Not full coverage. Select one or more.
Accident Coverage
Coverage for Burns, Cuts, Fractures
Add-on
- Fractures, Cuts, Burns, Dislocations
- X-Rays & Diagnostics
- Ambulance
- Extra: $50,000 Accidental Death
From $49 /mo
View Plan DetailsVision & Dental
Comprehensive Vision & Dental Care
Add-on
- Exams & Diagnostics
- Basic & Major Dental Services
- Frames & Prescription Lenses
- Preventitive Services
From $79 /mo
View Plan DetailsBASE - BAS Essential
Comprehensive Virtual Care
Add-on
- Virtual Primary, Urgent, Specialty
- Labs & Diagnostics
- Dental & Vision
- Mental Health
From $59 /mo
View Plan DetailsVision & Dental Add-On
- Frames & Prescription Lenses Coverage
Access a wide range of Doctors, Specialists & Hospitals Nationwide. - Refraction & Eye Exams
Refraction and eye exams covered for routine vision care - Preventive, Basic and Major Services
From routine checkups to more substantial treatment - Lifetime Orthodontic Services
Enjoy Lifetime Orthodontic Services while covered under Plan
What's Included?
- Exams & Diagnostics
- Basic & Major Dental Services
- Preventive Services
- Frames & Prescription Lenses
- Class 1 Dental Services - 100% Covered
100% covered for class 1 Dental - Diagnostic and Preventive Dental Services. - Class 2 Dental Services - 80% Covered
80% covered for class 2 Dental - e.g fillings and simple extractions. - Class 3 Dental Services - 50% Covered
50% covered for class 3 Dental - e.g crowns, bridges, and dentures. - Class 4 Orthodontic Services - 50% Covered
50% covered for class 4 orthodontics - e.g braces and bite corrections. - Eye Exams - 100% Covered
Refraction and eye exam once per year. - Prescription & Contact Lenses
100% covered up to $350. Lens treatment 100% covered up to $100. - Glasses Frames - 100% Covered
One pair of frames per year 100% covered up to $225.
Cigna Providor Network (Primary)
Cigna Provider SearchPowered By The Cigna Network
This plan is powered by the Cigna network giving you peace of mind nationwide.
Our Monthly Prices
Unlike many plans, Benefit Airship shows your real plan cost upfront.
Individual
$79 / month
Individual + Spouse
$139 / month
Individual + Children
$179 / month
Family
$189 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
Monthly Premium
Individual
$79
per month
Monthly Premium
Ind. + Spouse
$139
per month
Monthly Premium
Ind. + Children
$179
per month
Monthly Premium
Family
$189
per month
- Start enrollment
- No referral needed for specialists
- Nationwide Cigna network access
- Compatible add-on with all FMM plans
BASE (BAS Essential)
- 24/7 Virtual Medical
Virtual Primary Care - $0 Virtual Urgent Care -$0 Virtual Specialist - $0 Labs, Rx / Medications. - Dental Coverage
Aetna Dental network of +250,000 dentists. $35 avg cost of fillings and cleanings. - Vision Coverage
24/7 Virtual Telehealth Access for Easy, Convenient Care. - Mental Health Services
Virtual Therapy - $0 / Virtual Counselors - $0
What's Included?
- Virtual Primary, Urgent, Specialty
- Dental & Vision
- Labs & Diagnostics
- Rx / Medications
- Virtual Primary - $0
Connect with a primary care provider anytime through the Amaze Health app or web portal. - Virtual Urgent Care - $0
Get fast virtual care 24/7 for everyday urgent health needs, all at no cost. - Virtual Mental Health - $0
Access dedicated mental and behavioral health support whenever you need it. - Virtual Specialty Care - $0
Meet with specialty providers for a wide range of health concerns, all virtually. - Rx Medications - 10–85% Discount
Save on prescription medications at retail pharmacies and through mail order. - Diabetic Supplies - 10–50% Discount
Receive discounted diabetic supplies. access to a free glucose meter with your first order. - Vision - Discount Program
Savings on eye exams, eyewear, and even LASIK through a nationwide vision network.
Our Monthly Prices
Unlike many plans, Benefit Airship shows your real plan cost upfront.
Individual
$59.95 / month
Family
$89.95 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
Monthly Premium
Individual
$59.95
per month
Monthly Premium
Family
$89.95
per month
- Start enrollment
- No referral needed for specialists
- Virtual care when you need it
- Powered by Amaze
Accident Coverage
- Fractures, Cuts, Burns, Dislocations
Treatment for unexpected injuries, including emergency care, stitches, casts, and related services. - X-Rays & Diagnostics
Covers diagnostic services like X-rays, imaging, and tests used to help identify injuries or conditions. - Ambulance Service
Emergency ambulance transportation is covered when medically necessary. - Extra: $50,000 Accidental Death
Includes an additional $50,000 accidental death benefit for added financial protection.
Our Monthly Prices
Unlike many plans, Benefit Airship shows your real plan cost upfront.
Individual
$49.95 / month
Family
$99.95 / month
Choose Plan Type
Select your coverage tier below, lock in your price, then click Start Enrollment to complete your application.
- Select your plan & type
Monthly Premium
Individual
$49.95
per month
Monthly Premium
Family
$99.95
per month
- Start enrollment
- No referral needed for specialists
- Powered by 5 Star Insurance
Top-rated providers power your plan.
Together, we maximize access and affordability.
Healthcare Network
Serving Americans since 1792 with an A+ financial strength rating and a nationwide network of over one million providers delivering care you can count on.
Dental Care
The largest dental provider in the US with 250,000+ dentists nationwide. Concierge support to schedule with local providers and find lowest costs. Fillings & cleanings often ~ $35.
Accident Care
Comprehensive benefits solutions designed to protect what matters most – your health, your family, and your financial security.
Virtual Primary Care, Urgent, Specialist, Mental Health
Award‑winning virtual care. Every journey begins with a physician consult—navigation through diagnosis, scheduling, treatment, and billing.
Your Benefit Solution
Register before the 15th of the month to start your health benefits on the 1st of the following month.
What You Receive on the 1st of the Month:
Digital Health Card
Physical Health Card
Welcome Kit
Concierge Support
Questions Before We Get Started?
Your co-pilot through every stage of your benefits journey.
Who can enroll for benefits?
Anyone in the U.S. can enroll — individuals, families, or employees if your company partners with Benefit Airship. No medical exams or complex forms required.
When will my benefits start?
If you enroll by the 15th of the month, your benefits begin on the 1st of the following month. If you enrol after the 15th of the month your benefits will begin on the 1st of the next following month. We’ll send you a confirmation and step-by-step guide so you know exactly when and how to use your plan.
Example: Enroll on October 10th → Coverage starts November 1st.
Example: Enroll on October 20th → Coverage starts December 1st.
Can I cancel my coverage or change my plan at any time?
BASE, Accident Add-On, and Hospital Add-On:
Yes. These plans may be cancelled at any time by submitting your request before the 15th of the month for coverage to end at the close of that same month.
MVP and Full Major Medical (FMM):
These plans are subject to a 12-month coverage commitment, in accordance with federal insurance guidance and the terms agreed to at enrollment. Because of this, coverage cannot be cancelled or changed mid-term unless specific qualifying criteria are met.
Reactivating Coverage
BASE, Accident Add-On, and Hospital Add-On:
You may reactivate your coverage by contacting us at support@benefitairship.com, and our team will guide you through the process. If enrollment is completed before the 15th, coverage can resume on the 1st of the following month.
MVP and Full Major Medical(FMM):
If coverage is cancelled prior to completing the contract term, a 24-month (2-year) waiting period applies before eligibility to re-enroll or reactivate coverage.
Do I get a Insurance Card? (Full Medical)
With our FMM products a card will be sent out to you when your benefits are active on the 1st.
You can also download a digital version one your benefits are active here: Get my card
Can my provider join the network? (Full Medical)
Yes. If your provider is not currently in-network, they may apply to join the network directly through the network providers:
Cigna credentialing application:
https://www.cigna.com/health-care-providers/credentialing
PHCS / MultiPlan provider nomination form:
https://www.multiplan.com/providernominations/provider
Can I see providers in person? (Full Medical)
Yes. MVP and FMM provides broader healthcare access compared to BASE, including assistance coordinating in-person care.
What is my proof of coverage? (Full Medical)
Proof of coverage is your insurance ID card, which becomes available on your effective date.
Is my FMM/MVP MEC? (Full Medical)
MVP and FMM Plans:
1. Meets and exceeds Federal ACA requirements
2. Meets California’s MEC standards
3. Recognized as major medical coverage, not supplemental
4. Includes the ACA-required Essential Health Benefits (EHBs), such as:
Outpatient and inpatient care
Prescription drugs
Preventive care and labs
and more
What does BASE Essential include? (Add-on)
BASE Essential is the foundation of your healthcare plan- a reliable bundle of everyday benefits that covers routine and unexpected needs. It’s your starting point before adding any bolt-ons or upgrades.
Provides access to virtual care services, wellness support, and select healthcare resources designed to help you manage everyday health needs remotely.
Can I see doctors in person with BASE?
No. BASE focuses on virtual care services. In-person provider coverage is available through MVP or Full Major Medical plans.
How do I access my benefits?
Visit the Member Resources page or contact support for guidance on accessing virtual services and scheduling care.
What does the Accident Plan cover? (Add-on)
This add-on provides financial support for covered accidental injuries such as fractures, emergency treatment, or hospital visits resulting from an accident.
Does it replace medical insurance?
No. It is a supplemental benefit designed to help offset unexpected costs related to accidents.
What does the Vision & Dental include? (Add-on)
It includes both vision benefits and dental benefits, giving you help with routine eye care, glasses or contacts, and a range of dental services from preventive care to major services.
Can I just choose Vision & Dental?
No, our Vision & Dental add-on must be paired with a FMM product to be usuable.