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.

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.

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.

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

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

Yes. MVP and FMM provides broader healthcare access compared to BASE, including assistance coordinating in-person care.

Proof of coverage is your insurance ID card, which becomes available on your effective date.

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

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.

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.

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.