LifeX Value Limited (VL) Plans: Affordable PPO-Based Coverage with Multiple Deductible Options
Low entry deductibles, real PPO access, and everyday healthcare benefits built for flexibility.
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Why Agents Love Selling This Plan
LifeX Value Limited Plans give agents a versatile option for clients who need affordable coverage but don’t qualify for or can’t afford ACA premiums. With deductibles as low as $250, nationwide PPO access, and $0 preventive care, VL plans are designed to be easy for clients to understand and simple for agents to sell.
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Quick Highlights
Deductible Flexibility – choices from $250 up to $1,500 to meet different budgets.
Nationwide PPO Networks – PHCS PPO included (BCBS option not currently available).
Preventive Care Covered – $0 copay for adult physicals, immunizations, mammograms, colonoscopies, well-child visits, and more.
$0 Telemedicine – unlimited 24/7 access through OurLiveDoc.
Office Visits – $50 copay for PCP, specialists, and urgent care (10 visits combined per year).
Chiropractic Care – 12 visits per year included.
Hospital Coverage – inpatient admissions, surgeries, and ICU stays with set copays and pre-certification.
Outpatient Services – labs, X-rays, imaging, outpatient surgery, and chemotherapy/radiation covered with affordable copays.
Maternity Benefits – routine deliveries and prenatal/postnatal care covered with copays and capped benefits.
Prescription Coverage – $0 copays for generics, with ProAct pharmacy access and patient assistance programs for brand and specialty meds.
Please use password LIFEBUZZ16 for contracting
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Why This Matters
Clients often feel stuck between high-cost ACA premiums and limited short-term plans. LifeX VL Plans bridge that gap by providing true PPO access, comprehensive benefits, and flexible deductible choices — all at a fraction of ACA costs. For agents, it’s an easy way to meet client demand for affordable, practical healthcare solutions.
Please use password LIFEBUZZ16 for contracting
(case sensitive)
FAQ (Agent Talking Points)
Is this ACA-compliant?
No — these are not ACA marketplace plans, but they include preventive care and many of the benefits clients expect from traditional coverage.
Who is this plan ideal for?
Individuals, families, and small businesses that want PPO-based coverage without ACA pricing.
What networks are included?
PHCS PPO nationwide (BCBS option not currently available).
What makes this product different?
Low deductible entry points, $0 telemedicine, and $0 generic prescriptions give agents strong selling points versus other non-ACA plans.