Private PPO health plans on the Cigna network, at one flat price at any age
Full medical plans on the Cigna PPO network with PHCS as a backup network, flat monthly pricing that does not change with your age, and coverage that can start the 1st of next month. Quote online in a minute, or let a licensed Illinois Health Agents agent walk you through it at no cost.
Next deadline: the 15th, coverage starts the 1st of next month.
What is Benefit Airship?
Benefit Airship (BAS) is a Nevada benefits company that packages full medical plans, virtual care, dental and vision, and accident coverage into one monthly membership. The medical plans are group health plans: you enroll as a member of a group rather than buying an individual Marketplace policy. That is why pricing is flat by coverage tier instead of rated by age, and why enrollment includes a short health questionnaire.
Day to day, your plan runs through well-known names:
Doctors and hospitals
Cigna PPO network first, with the PHCS PPO network as a backup if your provider is not in Cigna. Over 2 million providers nationwide.
Member support
Marpai healthcare concierge helps you find in-network care, handle prior approvals, and resolve billing or claims issues.
Prescriptions
PhoenixPBM pharmacy benefit at 60,000+ pharmacies including CVS and Walgreens, plus mail order.
Virtual care
24/7 virtual primary and urgent care through Opyn Live, included with the full medical plans.
Is this ACA Marketplace coverage? No. These are private, underwritten group plans, not Marketplace plans, so premium tax credits do not apply. If you qualify for a large subsidy, a Marketplace plan may cost you less. We will compare both for you.
Benefit Airship plans and monthly rates
Same price at any age. Deductibles and out-of-pocket maximums are shown as individual / family.
| Platinum 1.2 | Gold 2.0 | Silver 3.2 | Bronze 4.4 (HSA) | MVP (HSA) | |
|---|---|---|---|---|---|
| Network | Cigna PPO + PHCS | Cigna PPO + PHCS | Cigna PPO + PHCS | Cigna PPO + PHCS | PHCS only |
| Deductible | $0 / $0 | $1,000 / $2,000 | $3,000 / $6,000 | $6,000 / $12,000 | $5,000 / $10,000 |
| Out-of-pocket max | $1,250 / $2,500 | $3,500 / $7,000 | $6,000 / $12,000 | $7,000 / $14,000 | $9,000 / $18,000 |
| Coinsurance (plan / you) | 70 / 30 | 80 / 20 | 80 / 20 | 70 / 30 | 60 / 40 |
| Preventive care | $0 | $0 | $0 | $0 | $0 |
| Primary care | $25 | $15 | $35 | 30% after ded. | $50 |
| Specialist | $45 | $40 | $55 | 30% after ded. | $75 |
| Urgent care | $45 | $40 | $55 | 30% after ded. | $75 |
| Prescriptions | Rx benefit | Rx benefit | Rx benefit | Rx benefit | Rx discount program |
| Individual | $799 | $749 | $679 | $579 | $269 |
| Individual + Spouse | $1,509 | $1,439 | $1,299 | $1,099 | $499 |
| Individual + Children | $1,509 | $1,369 | $1,239 | $1,059 | $509 |
| Family | $2,759 | $2,589 | $2,199 | $1,649 | $679 |
Rates are monthly and published by Benefit Airship as of November 2026. Final rates are confirmed after underwriting review of your health answers. Benefits shown are a summary; the member booklet and plan documents control.
Optional add-ons
Vision & Dental
Cigna Dental EPO: preventive 100%, basic 80%, major 50%, orthodontics 50%. Annual eye exam 100%, lenses up to $350, frames up to $225.
$79 individual / $139 + spouse / $179 + children / $189 family
BASE (BAS Essential)
$0 virtual primary, urgent, specialist and therapy visits through Amaze, plus Rx, dental, vision and diabetic supply discounts. Not insurance.
$59.95 individual / $89.95 family
Accident Coverage
Fractures, cuts, burns, dislocations, X-rays and ambulance, plus a $50,000 accidental death benefit. Limited benefit coverage.
$49.95 individual / $99.95 family
Get your Benefit Airship quote
Enroll by the 15th for coverage starting the 1st of next month. Not sure about the health questions? Check below first.
Quote & apply Check eligibilityQuick health check before you apply
Benefit Airship asks these 11 yes/no questions during enrollment. Answering them here first is private (nothing is sent anywhere) and tells you which path to take. A Yes does not automatically block enrollment, but it may change your options.
How enrollment works
Enroll by the 15th and your coverage starts the 1st of next month. Miss it and coverage starts a month later.
- Pick a plan and coverage tier on the Benefit Airship enrollment page (our agency link keeps us as your agent at no extra cost).
- Answer the health questions for you and anyone you are covering.
- Pay the first month by card or ACH.
- Underwriting review. Your quote is preliminary until Benefit Airship approves your health answers.
- Coverage starts the 1st. Enroll by the 15th for the 1st of next month; after the 15th it starts the 1st of the month after. You get a digital ID card, a physical card, a welcome kit and concierge access.
Is Benefit Airship right for you?
Good fit if you
- Earn too much for a big Marketplace subsidy
- Are older and want flat, non-age-rated pricing
- Want a Cigna PPO without a referral
- Are in good health and can answer No to the questions
- Need coverage mid-year without a special enrollment event
Look elsewhere if you
- Qualify for a large premium tax credit
- Have a serious or ongoing condition on the question list
- Are pregnant or planning IVF or adoption
- Take GLP-1, biologic or chemo medications
- Want a plan that cannot be underwritten
Benefit Airship FAQ
Is Benefit Airship real insurance?
The Platinum, Gold, Silver, Bronze and MVP plans are full medical group health plans with deductibles, coinsurance, out-of-pocket maximums and hospital coverage. Benefit Airship itself is the program manager, not the insurer; claims and member support run through Marpai. BASE is a virtual care and discount membership, not insurance.
Do I have to answer health questions?
Yes. There are 11 yes/no questions about pregnancy, cancer, heart disease, diabetes, organ disorders, autoimmune and neurological conditions, mental health, substance treatment, recent hospital stays, pending tests or surgery, and current chemo, biologic or GLP-1 treatment. Your quote is final only after underwriting reviews those answers.
Does a Yes answer mean I am declined?
Not automatically. Benefit Airship says a Yes helps its team find the best option for you. Depending on the answer, that could mean a different plan or price. Talk to us before applying and we will tell you what to expect.
Does my age change the price?
No. Benefit Airship publishes one monthly rate per plan and coverage tier: individual, individual + spouse, individual + children, and family.
Which doctors can I see?
The Platinum, Gold, Silver and Bronze plans use the Cigna PPO network, with PHCS as a backup if your provider is not in Cigna. MVP uses the PHCS network. No referral is needed for specialists.
When does coverage start?
Enroll by the 15th of the month to activate benefits for the 1st of next month. For example, enroll by March 15 for an April 1 start. Enroll on March 16 or later and coverage starts May 1.
Can I use it with an HSA?
Bronze 4.4 and MVP are listed as HSA-qualified.
Can I get a tax credit or subsidy?
No. These are not Marketplace plans, so premium tax credits and cost-sharing reductions do not apply. If you qualify for a subsidy, compare a Marketplace plan first.
Can I enroll outside of Open Enrollment?
Yes. Benefit Airship enrolls every month; you do not need a qualifying life event.
How do I cancel or change plans?
Email Benefit Airship support before the 15th of the month. Requests after the 15th may be billed for the next month. Plan upgrades follow the same 15th-of-the-month cutoff.
Can my business offer Benefit Airship?
Yes. Employers of any size can offer it with no minimum participation, and W-2, part-time and 1099 workers can all enroll. The employer can pay or employees can pay their own premiums. Call us to set up a group.
Does it cost more to use an agent?
No. The price is the same whether you enroll through Illinois Health Agents or directly, and you get a licensed agent to help with questions, claims and renewals.
Disclaimer. Rates and benefits are summarized from Benefit Airship’s published plan information and are a preliminary group health plan quote, not a contract or guarantee of coverage. Coverage is subject to underwriting approval of required health attestations, and final terms, rates and coverage may differ. These plans are not ACA Marketplace plans and are not eligible for premium tax credits. BASE and other discount or virtual care programs are not insurance. All benefits, terms and conditions are governed by the plan documents. Illinois Health Agents is an independent licensed insurance agency.