Update on HCC and PHI new products
Since February 21, 2022, we’ve been offering our Clients enhanced coverage for Health Coverage Choice (HCC) and Personal Health Insurance (PHI).
How will it impact your Clients?
- We’ll increase annual maximums for Drugs (HCC only), Vision, Psychology, Orthotics and Hearing Aids.
- We’ll continue to offer Best Doctors services on Critical Illness (CI) products only.
- New HCC or PHI products are accessible to newly registered Clients since February 21, 2022.
We invite you to review the changes to product coverage amounts listed below and share this information with your Clients.
Product Enhancements – Current vs. New |
||
|---|---|---|
Product Enhancement |
Current
|
New |
HCC drug maximum |
HCC A – $400/year HCC B – $1,000/year HCC C – $2,000/year
|
HCC A – $500/year HCC B – $1,300/year HCC C – $2,600/year |
Psychology maximum |
HCC A – $50/visit up to $250/year HCC B – $60/visit up to 7 visits HCC C – $60/visit up to 10 visits
PHI Basic – $25/visit up to $250/year PHI Standard – $300/year PHI Enhanced – $400/year
|
HCC A – $60/visit up to $300/year HCC B – $70/visit up to 7 visits HCC C – $75/visit up to 10 visits
PHI Basic – $35/visit up to $500/year PHI Standard – $1,000/year PHI Enhanced – $1,500/year
|
Vision maximum |
HCC A – $150 / 2 years HCC B – $150 / 2 years HCC C – $200 / 2 years
PHI Basic – none PHI Standard – $150 / 2 years PHI Enhanced – $200 / 2 years
|
HCC A – $150 / 2 years (no change) HCC B – $200 / 2 years HCC C – $300 / 2 years
PHI Basic – none PHI Standard – $250 / 2 years PHI Enhanced – $300 / 2 years
|
Orthotics maximum |
HCC A – $150/year HCC B – $200/year HCC C – $200/year
PHI Basic – $150/year PHI Standard – $200/year PHI Enhanced – $200/year
|
HCC A – $200/year HCC B – $250/year HCC C – $250/year
PHI Basic – $150/year (no change) PHI Standard – $225/year PHI Enhanced – $250/year
|
Hearing aid maximum |
HCC A – $300 / 5 years HCC B – $350 / 5 years HCC C – $500 / 5 years
PHI Basic – $400 / 5 years PHI Standard – $400 / 5 years PHI Enhanced – $500 / 5 years
|
HCC A – $300 / 5 years (no change) HCC B – $400 / 5 years HCC C – $600 / 5 years
PHI Basic – $400 / 5 years (no change) PHI Standard – $500 / 5 years PHI Enhanced – $600 / 5 years
|
