Advantage Essential Brochure
Advantage Essential
$29.95
Enroll before the 15th of the month to start your benefits on the 1st of the following month.
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Advantage Essential
$29.95
Robust Healthcare
- Virtual Urgent Care $0 visit
- Virtual Pediatrics $0 visit
- Pharmaceuticals
- Wellness Exam
Comprehensive Care
- Virtual Urgent Care
- Dental
- Vision
No Insurance
- Not health insurance coverage
Telemedicine
24x7 Virtual Doctors, $0 Visit Fee, Unlimited Visits, includes Pediatricians.
Provided by TeleDoc
Dental
262,000 Dentists Nationwide, includes Cleanings, Fillings, Crowns, Root Canal, Orthodontics, and Periodontics. Unlimited Visits, average cost: cleaning: $34, filling: $28.
Provided by Aetna Dental Access
Vision
Save on Eye Exams, prescription eyewear, and LASIK.
Provided by Coast-to-Coast Vision
Pharma
60,000 Pharmacies Nationwide. Save up to 85% on prescriptions.
Provided by NB Pharmacy
Labs
Save on lab work including allergies, vitamin and cholesterol levels, liver function, fertility, and thyroid tests.
Provided by MyBenefitsLabs
MRI & CT Scans
Save on MRI & CT Scans, ultrasounds, X-rays, colonoscopies, mammograms, and upper endoscopy.
Provided by MyBenefitsLabs
Accident Insurance
$0 deductible, coverage for lacerations, burns, fractures, dislocations. Includes ambulance, facilities, treatments, and more.
Provided by 5 Star Insurance
How Benefit Airship Works
Learn More About Healthcare
We know medical jargon can be confusing, with terms that sound similar but mean very different things.
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Let’s say your plan has 20% coinsurance.
After you’ve paid your deductible, you’ll pay 20% of the bill, and your insurance will pay 80%.So if a surgery costs $1,000, you would pay $200, and your insurance would pay $800 (after the deductible is met).
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A deductible is the amount of money you have to pay for your health care each year before your insurance starts helping.
For example:
If your deductible is $1,000, that means you pay the first $1,000 of your medical bills. After that, your insurance will start paying its share. -
Your maximum out-of-pocket is the most you’ll have to pay in a year for covered medical care. Once you hit that amount — through things like deductibles, copays, and coinsurance — your insurance will pay 100% of the costs for the rest of the year.
For example, if your maximum out-of-pocket is $6,000, once you've paid that much for things like doctor visits, prescriptions, and hospital stays, you won't have to pay anything else for covered care that year. It’s like a safety cap that protects you from extremely high medical bills.
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A copay is a small, fixed amount you pay for a health care service — like a doctor visit or a prescription — even after your insurance kicks in.
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Tier 1 – Generic drugs
These are the lowest-cost drugs. They work the same as brand-name drugs but are much cheaper.Tier 2 – Preferred brand-name drugs
Brand-name drugs that your insurance company prefers. They cost more than generics but less than non-preferred brands.Tier 3 – Non-preferred brand-name drugs
These brand-name drugs are not on your insurance company’s preferred list, so they cost more.In short:
Drug tiers help your insurance decide how much you pay for each medication. Lower tiers = lower cost to you. -
A premium is the amount you pay every month to keep your health insurance active — even if you don’t go to the doctor or use any services.
Think of it like a subscription fee — just like you pay monthly for Netflix or your phone plan, you pay your insurance premium to stay covered.