North American Health Plans
Reinventing Health Care Choices.
Consumers
Under 65
Helping You Understand U65
Click to expand answers.
A fixed benefit health plan provides coverage for in-patient hospital, out-patient surgical, skilled nursing, doctor visits, x-ray labs, prescription drugs, and much more. While you can use any doctor or hospital you choose without penalty, you have the option of accessing the PHCS Multiplan Network to take advantage of great savings at no additional costs.
Thanks to medical advances more and more people are surviving major catastrophic medical issues such as cancer, heart attack, and stroke. Unfortunately, it places a tremendous financial strain on the family. Critical Illness (CI) coverage protects your financial security and provides benefits for things like deductibles, prescriptions, rehabilitation, treatments not covered by existing insurance, your bills, your expenses, and lost wages.
Accidents happen when you least expect them— at home, at work, while playing or traveling. Accident coverage provides protection when you need it most but are expecting it the least. Also included is disability coverage to help provide a critical income until you can get back on your feet.
Dental insurance is not just important to help you look good, it’s also important for good health. Regular cleanings are also essential to your physical health and quality of life. With Dental/Vision/Hearing plans priced lower than ever before, everyone can afford coverage.
Minimum Essential Coverage (MEC) includes preventive and wellness services covered at 100% with no deductible, no co-pay, and no out-of-pocket costs. It provides access to important medical screenings, vaccines, counseling, and more to help you stay healthy. The MEC plan we offer is penalty proof, protecting you from taxation penalties under the Individual Mandate of the Affordable Care Act.
Prescription Drugs are the fastest growing costs in health care. Our Prescription Drug plan provides you with unparalleled control to customize coverage that’s right for you.
North American Health Plans offers a suite of best in class products from insurance companies such as Philadelphia American, Manhattan Life, Combined Insurance, Providence Insurance, and Envision Rx.
Frequently Asked Questions
Philadelphia American Life
Healthcare Resources & Shopping Services
General Rules
There are a couple “general rules” to keep in mind when looking to get the best care at the lowest possible price:
- Hospitals are the MOST expensive place to receive certain types of care – While hospitalization is necessary for certain types of care, there are several services where receiving care on an “outpatient” basis will save you BIG money. Some examples include: Elective Surgery, Imaging Services (X-Ray, CT, MRI, etc.), Lab/Blood work.
- Avoid the Emergency Room if at all possible – Again, sometimes the ER is unavoidable, but far too often people go to the ER for treatment that is NOT a true emergency. The ER is far and away the MOST expensive place to get treated! Two articles that back this up are here and here. You should utilize ALL resources available to you before going to the ER. If possible, consider Urgent Care or your primary care doctor first. With your Manhattan Life plan use Teladoc and the Karis360 services to help you.
Keep the above rules in mind as you review the following tools and resources. Also, in all the following service categories I try to provide the most recommended website at the top. However, I always recommend that you do comparisons from several of the sites for each specific care situation:
- Healthcarebluebook.com – (https://healthcarebluebook.com) HealthcareBlueBook helps patients determine what a fair price should look like for most types of healthcare services.
- MDSave – (http://bit.ly/NAHPMDSave) MDSave runs an online marketplace where people can buy the service they need a la carte — from tummy tucks to flu shots to colonoscopies — for a pre-negotiated price. The price is the same with insurance or not. Download the brochure and forward to providers in your area.
- Healthcost NEW – (http://www.healthcost.com) HealthCost allows any consumer to understand the components that typically make up common healthcare services and show what these components will cost in an itemized manner.
- Pratter – (https://pratter.us) Pratter is a medical-cost savings and transparency company that aims to empower consumers to save thousands of dollars per year by searching and comparing prices for 600 of the most common outpatient medical cost items…including 1) blood work, 2) imaging studies, such as x-rays, MRIs and CTs, 3) elective medical procedures, such as a colonoscopy or carpal tunnel surgery, and 4) doctor visits.
- Pricing Healthcare – (https://pricinghealthcare.com) – is a completely open, independent, online marketplace for direct-pay healthcare. Their aim is to bring visibility to healthcare prices and make paying for healthcare simpler and more direct. Providers of all types can advertise bundled, cash-pay procedures, without putting contracted or government relationships at risk. They believe this will do more to lower costs and improve the quality of U.S. healthcare than anything else.
- New Choice Health – (http://www.newchoicehealth.com) – NewChoiceHealth.com is a free, consumer-focused healthcare marketplace where consumers can shop for common medical procedures.
- FAIR Health – (http://www.fairhealthconsumer.org) – is a national independent, not-for-profit corporation whose mission is to bring transparency to healthcare costs and health insurance information through comprehensive data products and consumer resources.
- Guroo – (http://www.guroo.com) – Guroo.com was created by the Health Care Cost Institute (HCCI), an independent, nonprofit research organization.
- MediBid – (http://www.Medibid.com) – Medibid is an online marketplace which is about quality, choice and value. Medibid’s Cost Calculator gives a sampling of some of the savings they have been able to provide for various procedures and surgeries.
- Karis360 Included with Manhattan Life and PALIC – If you ever need to have surgery, then you should call Karis for help through their Karis Surgery Saver.
- CMS Medicare Price Tool (https://www.medicare.gov/procedure-price-lookup/) Procedure Price Lookup provides Medicare patients with price differences for some surgical procedures in hospital outpatient and ambulatory surgery center care venues.
- Surgery Center of Oklahoma – Oklahoma City, OK (https://surgerycenterok.com/) The Surgery Center of Oklahoma is the original and still a leader in providing fully transparent pricing on a wide range of surgical procedures.
- Included with Manhattan Life – (http://www.findlowrx.com) – This is the discount service included in you Manhattan Life Fixed Benefit plan.
- ScriptSave Included with Philadelphia American – (http://www.scriptsave.com/) – This is the discount service included in you Philadelphia American Fixed Benefit plan.
- GoodRx – (http://www.goodrx.com) – Every week GoodRx collects millions of prices and discounts from pharmacies, drug manufacturers and other sources.
- CleverRx NEW – (http://bit.ly/NAHPClever) – CleverRx is an invite only app with the prescription drug savings built in.
- Pharmacy Checker NEW – (https://www.pharmacychecker.com/) – PharmacyChecker helps people find the lowest prices on prescription medication among licensed U.S. and international pharmacies.
- PharmStore NEW – (https://www.pharmstore.com/) – Whether your needs are for prescription or nonprescription medication, PharmStore provides its customers with the opportunity to purchase a large range of safe, affordable medication from pharmacies all over the world.
- Total Care Mart NEW – (https://www.totalcaremart.com/) – TotalCareMart.com™ is not itself a pharmacy, but a prescription referral service that provides you with direct access to affordable prescription drugs.
- Drug Mart Direct NEW – (https://www.drugmartdirect.com) – DrugMartDirect.com™ is not itself a pharmacy, but a prescription referral service that provides you with direct access to affordable prescription drugs.
- Blue Sky Drugs NEW – (https://www.blueskydrugs.com/) – BlueSkyDrugs.com is a leading British Columbia, Canada based online generic pharmacy which provides generic prescription drugs and over-the-counter medications to customers around the world.
- WellRx – (https://www.wellrx.com/) – ScriptSave WellRx is brought to you by Medical Security Card Company, LLC, the trusted prescription discount leader at more than 62,000 pharmacies nationwide.
- OneRx – (http://www.onerx.com) – We are on a mission to reduce health care costs for Americans by putting real-time prescription savings at everyone’s fingertips.
- Blink Health – (https://www.blinkhealth.com) – Their mission is to make prescription medications available at lower prices to millions of people across America.
- RxCut – http://wwwrxcut.com – This pharmacy price search is tightly integrated with Google Maps making it faster and easier to find the lowest price and pharmacy information.
- Rx ‘n Go – (http://www.rxngo.com) – Rx ‘n Go™ is a prescription medication savings program that delivers up to a 90-day supply of your generic maintenance medications right to your doorstep.
- Honeybee Health NEW – (https://honeybeehealth.com/) – Honeybee sells primarily generic medications. They have a subscription model for $10.99/month, with a FREE 30-day trial.
- Direct Labs Personally Recommended – (http://bit.ly/NAHPDirectLabs) – DirectLabs® is the leader in direct access laboratory testing.
- Discounted Labs – (https://www.discountedlabs.com/) – DiscountedLabs.com was founded by frustrated self-reliant health advocates that needed more economical access to lab tests.
- Walk In Lab – (http://bit.ly/NAHPWalkIn) – Walk-In Lab’s mission is to provide affordable direct-to-consumer testing, the convenient solution for all medical laboratory needs.
- Grassroots Labs – (https://www.grassrootslabs.io/) – Grassroots Labs is a health care technology company that connects individuals, employers, nonprofits and other health care consumers to affordable clinical laboratory testing (a.k.a. blood tests needed when seeing the doctor).
- Any Lab Test Now – (http://www.anylabtestnow.com) – ANY LAB TEST NOW® is an alternative lab testing provider for those who are conscious about the cost of their lab tests due to high deductible insurance or their health savings accounts, as well as those who have no insurance
- EverlyWell – (https://www.everlywell.com) – EverlyWell is placing the lab testing process into your hands.
- Fair Price Labs – (https://www.fairpricelabs.com/) – Fair Price Labs is another alternative lab testing service provider.
- Green Imaging Personally Recommended – (https://greenimaging.net) – Green Imaging is a group of board-certified radiologists who help patients make the most informed decisions about a wide range of imaging services.
- Radiology Assist NEW – (https://radiologyassist.com/) – Radiology Assist is a nationwide program committed to making healthcare affordable and transparent.
- Magnetic Imaging Services – (https://secure.mis4mri.com/default.asp) – Magnetic Imaging Services is one of the largest radiology services companies in the United States.
- Colonoscopy Assist – (http://www.colonoscopyassist.com) – The Colonoscopy Assist program promotes colon cancer screening among the uninsured (and cash paying) communities.
- Teladoc Included with Philadelphia American and Manhattan Life – (http://www.teladoc.com/) – There is no cost to use this service. It can save you time and money not having to go to the doctor’s office when you have a simple illness like cold or flu.
- United Concierge Medicine NEW – (https://www.unitedconciergemedicine.com/) – United Concierge Medicine provides virtual emergency medicine with a personal touch. 24/7/365.
- Freshbenies – (http://bit.ly/NAHPFB) – Freshbenies helps their members save hundreds to thousands on their healthcare.
- CVS Minute Clinic – (https://www.cvs.com/minuteclinic) – MinuteClinic, the walk-in medical clinic inside select CVS/pharmacy® stores, is the largest provider of retail health care in the United States.
- NeedyMeds – (https://www.needymeds.org/) = NeedyMeds is a national non-profit organization that maintains a website of free information on programs that help people who can’t afford medications and healthcare costs.
- SolvHealth – (https://www.solvhealth.com/) – Solv helps you find nearby convenient care in a way that fits your life.
- TalkSpace – (https://www.talkspace.com) – TalkSpace is a behavioral telehealth provider.
- Breakthrough by MDLive – (https://www.breakthrough.com/) – Breakthrough is an online/telemedicine service for counseling and mental health treatment.
- Remedy.me – (https://www.remedy.me/) – Board Certified Primary Care Physicians. Licenced Mental Health Therapists.
- Karis360 Included with Philadelphia American and Manhattan Life – If you ever need to receive care where the cumulative total cost of all services for that care is over $2,500, then you should call Karis for help through their Karis Bill Negotiator Service.
- Medical Cost Advocate – (http://www.medicalcostadvocate.com/Default.aspx) – Medical Cost Advocate provides health care cost reduction solutions to benefit consumers.
- MedBill-IQ – (http://medbilliq.com) – MedBill-IQ helps people reduce their out-of-pocket healthcare expenses through reviewing and negotiating medical bills.
- CoPatient – (https://www.copatient.com/) – CoPatient helps people reduce their out-of-pocket healthcare expenses through reviewing and negotiating medical bills.
- Patient Advocate Foundation – (https://www.patientadvocate.org) – A national 501 (c)(3) non-profit charity that provides direct services to patients with chronic, life threatening and debilitating diseases to help access care and treatment recommended by their doctor.
- National Association of Healthcare Advocacy Consultants – (http://nahac.memberlodge.com) – The NAHAC is a non-profit that dedicated to the development of healthcare advocacy as a profession.
Domestic and International Option
- Medjet Assist – (http://bit.ly/NAHPMJA) – MedjetAssist® is the premier air medical transport membership program for business or personal travel for both domestic and international travelers. They have two plan options and you can choose to purchase either option for a short-term trip or an annual membership. The plan options are as follows:
- MedJetAssistant plan – If you are hospitalized 150 miles or more from home, Medjet will arrange air medical transport to the hospital of your choice — regardless of medical necessity.
- MedJetHorizon plan – Offers all benefits of the MedJetAssist plan, PLUS: Emergency Medical Cash Advance, Ground Ambulance & Specialty Hospital Transfer under 150 miles and 24/7 Travel Security and Crisis Response benefits.
Domestic Only Options:
- AirMedCare Network – (https://www.airmedcarenetwork.com) – The AirMedCare Network is an alliance of affiliated air ambulance providers (Air Evac Lifeteam, Guardian Flight, Med-Trans Corporation, and REACHSM Air Medical Services) – the largest of its kind in the United States.
- Life Flight Network – (https://www.lifeflight.org/membership/) – Life Flight Network is a nationally recognized air medical transport service covering a large part of Oregon, Idaho, and Washington.
Consumers
Medicare
Medicare Supplement
A Medicare Supplement provides coverage for in-patient hospital, out-patient surgical, skilled nursing, doctor visits, x-ray labs, and much more.
Cancer / Heart / Stroke
Thanks to medical advances more and more people are surviving major catastrophic medical issues such as cancer, heart attack, and stroke. Unfortunately, it places a tremendous financial strain on the family. Cancer/Heart/Stroke (CHS) coverage protects your financial security and provides benefits for things like deductibles, prescriptions, rehabilitation, treatments not covered by existing insurance, your bills, your expenses, and lost wages. Lump sum benefit levels range from $1,000 to $50,000.
Dental / Vision / Hearing
Dental insurance is not just important to help you look good, it’s also important for good health. Regular cleanings are also essential to your physical health and quality of life. With Dental/Vision/Hearing plans priced lower than ever before, everyone can afford coverage.
Value Added Benefits
Teledoc 24/7 access to doctors by phone or video, at no additional charge.
Advocacy Healthcare is frustrating. Medical pricing and bills are confusing. Employees need someone to help. We provide you with an advocate to help you navigate the system and negotiate down your bills.
Doctors Online You can get fast answers at no cost from specialists via email or app: including physicians, specialists, psychologists, dentists. dietitians, fitness trainers, and more.
Prescription Savings Medicare does not cover all prescriptions and costs are skyrocketing. We provide you with discounts of 10-85% to save out of pocket costs.
Prescription Drug Coverage
Prescription drugs are the fastest growing costs in health care. Prescription Drug plans provides you with unparalleled control to customize coverage that’s right for you.
Short Term Care
Medicare does not pay for “Observation Days.” Nor the follow up nursing care unless confined as an inpatient for at least three days. In addition, Medicare provides no coverage for Long Term Care. Short Term Care is a simple, affordable solution to cover these gaps in your Medicare plan.
Life Insurance
Life Insurance is a way to leave money behind for the people who depend on you for financial support. Funds can be used to pay for funeral costs, meet living expenses, or pay off any debts. Some plans also offer living benefits in the case of a critical illness while alive.
Accident
Accidents are the leading cause of trips to the emergency room for seniors. After an accident, medical costs can add up fast and Medicare does not always provide enough money to help pay the bills. An Accident Expense policy can help you pay medical bills if you are injured in an accident. These bills could include: Ambulance Transportation; Emergency Care Services; Tests and X-rays; Surgery; Major Diagnostic Exams; Follow-Up Care Services; Durable Medical Equipment; Prosthetic Devices; and Rehabilitative Therapy.