Every year, premiums continue to rise, deductibles get higher, and individuals find themselves paying far more than employees of large organizations.
For some, the cost has become so overwhelming that they’ve made the difficult decision to go without health insurance altogether.
While that may seem like the only affordable option, it can also be one of the riskiest financial decisions. A single emergency room visit, unexpected surgery, serious illness, or accident can result in medical bills that take years to recover from. Even routine preventive care is often delayed because of cost, allowing small health issues to become much larger and more expensive problems.
The insurance package is a unique plan that combines a two-part health solution that makes the plan more affordable. The plan, backed by the largest medical network in PHCS/Options Plus,includes an Essentials Coverage that covers the following:
The second part of the plan includes a Community-Based Sharing to protect individuals from major medical occurrences. Individuals who need hospitalizations, surgeries, accidents, or other significant issues will pay a one-time $1250 per diagnostic issue. The unique aspect of the plan is that the deductible will not reset at the end of the year, but will reset only after the individual is symptom free for 12 months. In the unlikely event that there are multiple major medical occurrences, individuals can pay another $1250 for a different diagnostic issue. After 3 payments of $1250, all future major medical protection will be covered for that year.
No one plans for illness or injury, but everyone should be prepared for it.
Quality health insurance helps you:
Healthcare costs aren’t getting lower.
For Non-Tobacco Users (Includes any household member)
Use the cost predictor below to see predict your health insurance cost under Kassandra Health Insurance Initiative.
| Age | Member only | Member + spouse | Member + children | Member + family |
|---|---|---|---|---|
| 18–29 | $322.92 | $619.96 | $619.96 | $928.40 |
| 30–49 | $353.97 | $647.91 | $647.91 | $939.78 |
| 50–64 | $451.26 | $819.72 | $819.72 | $1,180.94 |
(Rate subject to change)
For Tobacco Users (Includes any household member)
| Age | Member only | Member + spouse | Member + children | Member + family |
|---|---|---|---|---|
| 18–29 | $372.92 | $669.96 | $669.96 | $978.40 |
| 30–49 | $403.97 | $697.91 | $697.91 | $989.78 |
| 50–64 | $501.26 | $869.72 | $869.72 | $1,230.94 |
(Rate subject to change · Includes a $50 tobacco surcharge)

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