We have four designs available for groups of 1-4 employees with individual deductibles ranging from $1,500 to $7,350 per year. Each option includes a nationwide provider network and $0 copays for preventive care visits.

We also offer programs for larger groups with 5-500+ employees. Please reach out for specific large-group options.

Groups can enroll through MOMENTUM AG any month of the year.

Our team will work closely with you to make sure that all of the doctors and hospitals you need are included in our provider network before you sign on the dotted line. We want you to be happy with our coverage and we want you to know you have the peace of mind that you can see the providers you need to see.

We are happy to help you look up your providers to check if they are in-network. However, if you’d prefer to look for yourself, the links for our networks are below.

Search up-to-date provider directories to find out if your provider or facility is in-network.

To view the available PHCS in-network providers, select “Practitioner & Ancillary” when selecting your network.

Click the “Get a Quote” button at the top of this page to get started. You will then receive an email with a link including instructions on how to proceed. You should receive your quote within 7-10 business days.

Because you and your employees complete a health questionnaire, rates are based on the age, gender, and health of the members in your group and no physical is required.

Your rates are locked in for 12 months, but on month 10 we will reach out to you with a renewal offer. That offer and rate will include all of your new employees brought on since your last enrollment.

Your firm quote is given to you after all applications are complete and the quote is valid for 60 days.

Level-funded health coverage is different from self-funded and fully-funded options mainly in how costs and risks are handled. With level-funded programs, employers pay a set monthly fee that covers expected costs, and any extra money can be saved or used for future expenses. On the other hand, self-funded options mean employers take on the financial risk of providing health benefits, which can cause costs to vary a lot. Fully-funded coverage requires employers to pay premiums to an insurance company, shifting all the risk to them. Level-funded coverage strikes a good balance between managing risk and keeping budgets predictable, making them a popular choice for many businesses.

Choosing level-funded health coverage for your farm and employees has several benefits compared to self-funded and fully-funded options. First, level-funded options help you stick to a budget by allowing you to pay a fixed monthly fee that covers expected costs. This is important for farms, where income and expenses can vary. Plus, any unused funds can roll over to help cover future healthcare costs or reward your employees.

Level-funded programs also help manage risk. They let you avoid the high financial risks of self-funded options while keeping some control over costs. Unlike fully-funded coverage, where all risks go to an insurance company, level-funded options let you keep some risks and expenses in line with what your farm actually spends. This can save you money over time, making level-funded health coverage a smart choice for your farm and your employees.

It’s a good idea to sign up three months before you turn 65.

With Medicare Supplement policies, you don’t have to stick to a network—you can see any doctor or hospital that accepts Medicare. They also provide coverage in any state while you’re traveling, and a Supplement can help cut your out-of-pocket costs down to zero.

Definitely! It’s important to enroll in a Part D prescription drug plan as soon as you’re eligible for Medicare to avoid a late enrollment penalty.