Lifeline Medical GI Limited Plans
Lifeline Medical is a guaranteed-issue limited medical plan that provides access to affordable health coverage for individuals who may not qualify for — or cannot afford — ACA major medical insurance. Available in all 50 states with no health questions asked, Lifeline Medical gives you real benefits through the PHCS network at a price that makes sense.
Note: Access to Lifeline Medical plans is exclusive to clients of Independent Health Agents and requires membership in Elevate Wellness, a national association with over 100,000 members.
Plan Highlights
- Guaranteed Issue — No medical underwriting, no health questions
- Available in All 50 States — Issue ages 18+
- PHCS Network — One of the largest independent PPO networks in the country
- 4 Tiers — Bronze, Silver, Gold, and Platinum to fit every budget
- Telemedicine Included — $0 copay, unlimited virtual visits on every tier
- Prescription Drug Coverage — 4-tier Rx formulary included
- Enrollment: Enroll by the 21st of the month prior to your desired effective date
- Plan Anniversary: December 31 annually
Plan Comparison
| Benefit | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Preventative Care | 100% covered | 100% covered | 100% covered | 100% covered |
| Primary Care Visits | $15 copay (unlimited) | $15 copay (unlimited) | $15 copay (unlimited) | $15 copay (unlimited) |
| Specialist Visits | Network discount | $15 copay (unlimited) | $15 copay (unlimited) | $15 copay (unlimited) |
| Urgent Care | $50 copay (unlimited) | $50 copay (unlimited) | $50 copay (unlimited) | $50 copay (unlimited) |
| Diagnostic X-Ray & Lab | Network discount | $50 copay (unlimited) | $50 copay (unlimited) | $50 copay (unlimited) |
| Telemedicine | $0 copay, unlimited | $0 copay, unlimited | $0 copay, unlimited | $0 copay, unlimited |
| Virtual Behavioral Health | $50 copay (3x/yr) | $50 copay (3x/yr) | $50 copay (3x/yr) | $50 copay (3x/yr) |
| Rx — Tier 1/2/3/4 | $15/$30/$50/$75 | $15/$30/$50/$75 | $15/$30/$50/$75 | $15/$30/$50/$75 |
| Hospital Indemnity | Not covered | Not covered | ✔ Included | ✔ Included |
Hospital Indemnity Benefits
Gold and Platinum tiers include Hospital Indemnity benefits. Payments are made directly to you, even if you did not incur out-of-pocket expenses.
| Benefit | Gold | Platinum |
|---|---|---|
| Hospital Admission | $2,000 (1x/year) | $2,500 (1x/year) |
| Hospital Confinement | $50/day (up to 30 days) | $200/day (up to 30 days) |
| Inpatient Rehabilitation | — | $100/day (up to 15 days) |
| Inpatient Surgery | — | $1,000 (1x/year) |
| Outpatient Surgery | $250/$500 (1x/year) | $750/$1,500 (1x/year) |
| Emergency Room | — | $100 (2x/year) |
| Emergency Transportation (Ground/Air) | — | $200/$500 (2x/year) |
| Diagnostic Procedure | $250 (1x/year) | $250 (1x/year) |
| Health Screenings | — | $50 (1x/year) |
How to Find In-Network Providers
Lifeline Medical uses the PHCS network. To find a provider:
- Visit the PHCS provider directory
- Select PHCS under Network
- Choose Specific Services
Get a Quote & Enroll
Ready to see your rate? Click below to get an instant quote and enroll online — no agent contact info required.
Apply Online with Lifeline Medical
Call 312.726.6565 to Apply
Lifeline Medical is a limited benefit health plan. It is not minimum essential coverage and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. Plan access requires membership in Elevate Wellness, a national association.
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