LifeX Major Medical (MM) Plans: Major Medical Alternatives with Unlimited Annual Benefits
Low deductibles, $0 preventive care, and true PPO access at affordable rates.
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Why Agents Love Selling This Plan
LifeX MM Plans are built for clients who want real major medical-style coverage without the high premiums of ACA. With deductibles as low as $1,000, unlimited annual benefits, and nationwide PPO access, these plans strike the perfect balance between affordability and comprehensive protection.
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Quick Highlights
Unlimited Annual Benefits – no caps on covered care.
Deductible Options – $1,000, $2,500, or $3,500 to fit client budgets.
Nationwide PPO Access – PHCS PPO, Cigna PPO, and BCBS PPO (not currently available).
Preventive Care at $0 – annual physicals, mammograms, colonoscopies, immunizations, well-baby and well-child visits.
$0 Telemedicine – unlimited visits through OurLiveDoc for primary care, urgent care, and behavioral health.
Office Visits & Urgent Care – $25 PCP, $40 specialist, $60 urgent care.
Labs & X-Rays – $25 lab copay; $100 X-ray copay.
Inpatient & Outpatient Services – hospital stays, surgery, ICU, and rehab covered (precertification required).
Therapy Benefits – PT, OT, ST, and cardiac rehab at $40 copay per visit.
Maternity Coverage – prenatal, delivery, postpartum, and newborn care included.
Prescription Coverage – $10 generics, $90 preferred brands, $110 non-preferred, with ProAct Rx mail-order savings.
Specialty Drugs – available via ProAct patient assistance programs (PAP, PIP, SPIP).
Please use password LIFEBUZZ16 for contracting
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Why This Matters
Clients who are priced out of ACA coverage but want more than short-term or limited benefit plans will see strong value in LifeX MM. With unlimited annual benefits, low deductibles, and robust PPO access, these plans are one of the most competitive ACA alternatives available today.
Please use password LIFEBUZZ16 for contracting
(case sensitive)
FAQ (Agent Talking Points)
Is this ACA-compliant?
No — MM is not an ACA marketplace plan, but it mirrors ACA-style coverage with preventive, maternity, mental health, and prescriptions.
Who is this plan ideal for?
Families, small businesses, and individuals who need comprehensive protection without ACA-level costs.
What networks are included?
PHCS PPO, Cigna PPO, and (when available) BCBS PPO.
What makes it unique?
Unlimited annual benefits, $0 preventive and telehealth, and PPO access — a rare combination in non-ACA coverage.