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LIFEX OFFERS GROUP HEALTH COVERAGE!

ABOUT LIFEX

Healthcare providers: to verify a member's benefits or eligibility, please call the number on the back of the member's ID card or the provider eligibility line at 844-580-2474, ext. 2. Our office can't verify benefits or eligibility.

Looking for coverage? You're in the right place. Book a call, call 704-940-6654 or text 704-360-0462.

Smart Insurance Strategies is a trusted source of information and resources for LifeX, PSM (Population Science Management) and Bright Life MVP plans. Bright Life MVP plan pages are coming soon.


About LifeX


We Finally Found The One.

After years of listening to what people really need, learning what truly works, and searching for a plan that does it all—we’re proud to introduce LifeX 's Group offered Health Coverage. This isn’t just another health policy. It’s the plan we’ve been waiting for—and the one you’ve been hoping for.

LifeX's offered Group Health Coverage is built around you. Whether you're focused on long-term security, everyday wellness, or just protecting what matters most, this all-in-one plan offers complete coverage with no compromises. It's flexible, affordable, and designed to fit your life—not force you to change for it.

Here’s why so many people are making the switch:

  • No Surprises: Transparent Pricing nationwide
     
  • Complete Compliance: ACA-compliant and meets Minimum Essential Coverage (MEC)—so you stay protected and penalty-free.
     
  • Real Coverage: Most pre-existing conditions are covered. Yes, really.
     
  • Low Deductibles: Starting at just $500—because your health shouldn’t start with debt.
     
  • Everyday Care You Can Afford: Doctor visits with low copays, $25 labs, and $50 X-rays.
     
  • Preventive Care Included: From mammograms to colonoscopies, wellness services are covered.
     
  • Prescription Coverage: Free generics to keep costs down and care up.
     
  • Maternity Benefits: Pregnancy coverage for Primary members.
     
  • Specialty Services: Affordable MRIs, scans, and even chiropractic care.
     
  • Top-Tier Networks:  PHCS for trusted providers.
     
  • Mental Health Support: Get help when you need it—comfortably, even from home.
     
  • No Association Fees: More coverage, fewer extra costs.
     
  • Nearly 100% Retention Rate: People love this plan—and they stick with it.
     
  • Healthy Rewards: In low-claim groups, you could even get a partial refund just for staying healthy.
     

This is peace of mind made personal—not just another policy. With LifeX's offered Group Health Plan, you're not just covered, you're cared for. Join the growing number of people who’ve finally found the plan that works for them.

Ready to protect what matters most? Let’s get started today.

ABOUT LIFEX

About LifeX


Q: Want to know everything about LifeX?
A: After years of listening, learning, and searching, we’re thrilled to have found LifeX's offered Group Health Plan—the plan we’ve been looking for from the start. Designed to meet real needs and provide complete coverage, this is more than just another health policy—it’s peace of mind, finally made personal. Whether focused on long-term security, day-to-day wellness, or protecting what matters most, LifeX's offered Group Health Plan is the all-in-one solution built to adapt to your life, not the other way around. We've waited years for the right health plan. 

 

Here are just a few benefits at a fraction of the cost of other plans!


  • One plans until you are 65 years old! 
  • ACA compliant and meets Minimum Essential Coverage (MEC)
  • Most pre-existing conditions covered.
  • Deductibles as low as $500.
  • Doctor copays - Access care without the burden of high out-of-pocket costs.
  • Labs only $25
  • X-rays only $50
  • Wellness services (including mammograms and routine colonoscopies) covered!
  • RX coverage- free generics.
  • Pregnancy coverage for Primary’s pregnancy. (Must get pregnant after coverage starts)
  • Affordable scans, MRIs, and X-rays – Health care without breaking the bank.
  • Chiropractic care - Stay aligned and healthy with covered chiropractic treatments.
  • PHCS Network – Access a wide range of trusted medical professionals
  • Mental Health – Get the support you need from the comfort of your home.
  • No association fees – Keep more of your hard-earned money.
  • Nearly 100% retention rate– Clients stick with LifeX'soffered coverage because they love the plan.
  • Low-claim groups even receive a partial refund!– Get rewarded for staying healthy!


Check out the new innovative money-saving LifeX offered PHCS Network Group Health Major medical pla

LifeX now offers a Major Medical PHCS network group health plan underwritten by Benefit Logistic Captive Insurance Co, Inc NAIC #17633 . It's the most innovative and cost-saving plan we have ever come across. Designed with people like you in mind, it offers everything people ask for at an amazing rate because it is a group plan. Individuals and 1099 worker now have access to group plans! Stop overpaying and getting nothing in return. Wellness and pharmacy included, deductibles as low as $500, and so much more!

The best coverage for the lowest price

Discover the smartest way to secure comprehensive group health coverage for you and your family with LifeX. If you're a 1099 contractor or a W-2 employee without employer-sponsored benefits, you no longer have to settle for less. LifeX offers innovative major medical group plans that offer robust coverage with a wide range of benefits at an incredibly low cost, making strong health protection accessible and affordable. Stop waiting and start saving today with the coverage you deserve. 

Your Responsibility

Become a LifeX Research Associate


Earn Money. Access Health Benefits. Advance Innovation.


What Does a LifeX Research Associate Do?

As a LifeX Research Associate, you’ll play a vital role in shaping the future of healthcare — all from the comfort of your own home. Each month, you'll receive a notification via email or text with new opportunities to participate in cutting-edge health research. These activities are short, engaging, and easily accessible through your Personal Health Dashboard™ (PHD) — your central hub for both research and benefits.

How It Works:

  • Complete Quick Research Tasks
    Participate in 15-minute or shorter activities like watching videos, answering surveys, logging vitals, trying wellness apps, or even attending virtual health coaching sessions.
     
  • Earn While You Help
    Get paid $40/hour, calculated by the minute. For example, a 15-minute activity earns you $10. It’s that simple.
     
  • Track Everything in One Place
    Your PHD gives you seamless access to your activities, payments, and benefits — all in one secure, user-friendly location.
     

Unlock Real Health Benefits


As an active Research Associate, you may qualify for group medical and wellness benefits — similar to what full-time employees receive. These are administered by Benefits Health Plan Inc. (BHPI), our trusted third-party administrator.

Just keep up with your monthly activities and timely premium payments to maintain your coverage.
 

Who Can Participate?

Only the designated LifeX Research Associate (you!) has access to the PHD and can complete activities. This ensures your contributions remain personalized, secure, and impactful.


Ready to Get Started?

Make a difference in healthcare, earn meaningful income, and take charge of your own wellness — all as a LifeX Research Associate.


Join Today and Activate Your Personal Health Dashboard™


LifeX Customer Service,claims and Support Phone Numbers

LIFEX HEALTH CUSTOMER SERVICE AND SUPPORT PHONE NUMBERS

LifeX Customer Service and Support Phone Numbers 

Set an appointment to speak with a LifeX Health agent

Set an appointment to speak with a LifeX Health agent

LifeX Questions and answers and important information

LifeX Questions and answers and important information

Here IS How to join our award-winning team and become a broker?

How to join our award-winning team and become a broker here.

LifeX FAQ: Sign-Up, Start Dates and Open Enrollment

Answers to the most common questions about joining a LifeX employer-sponsored health plan. LifeX is available only through select certified brokers like Smart Insurance Strategies. Don't see your question? Call 704-940-6654, text 704-360-0462, or email team@smartinsurancestrategies.com.

LifeX is available only through select certified brokers like Smart Insurance Strategies. There is no public online sign-up. Call 704-940-6654, text 704-360-0462, or book a call at calendly.com/smartinsurancestrategies. We walk you through the suitability assessment, help you choose a plan, and complete your enrollment with you.


No. LifeX enrollment goes through a LifeX-certified broker. Smart Insurance Strategies is certified, and we also train and certify other brokers.


LifeX coverage always starts on the 1st of the month, as long as your enrollment is complete by the cutoff date the month before.


LifeX Copay PPO $1,500 - PHCS Network - 2026

Available only through select certified brokers

Questions or ready to enroll? Book a call at calendly.com/smartinsurancestrategies, email team@smartinsurancestrategies.com, call 704-940-6654 or text 704-360-0462.or (TPA), and not by any network. Pre-certification is required for many services, and elective surgery is not covered in the first 90 days. This summary is general information only. It is not a substitute for the plan document or summary plan description and is not a policy of insurance. See the full brochure below.

The Copay PPO $1,500 plan uses the PHCS PPO network and covers you in and out of network. Once you meet the deductible, you pay set copays for most care.

Deductible: $1,500 individual / $3,000 family

Out-of-pocket maximum (includes deductible): $9,200 individual / $18,400 family

Doctor visits: $50 copay for primary care, specialists (no referral needed) and urgent care, after deductible

Telemedicine through OurLiveDoc: $0 copay, unlimited visits for primary care, urgent care and behavioral health (940-548-3362)

Preventive care: $0 copay, $0 deductible (wellness exams, labs, immunizations)

Labs: $25 copay (independent lab). X-rays: $50 copay. Advanced imaging: $200 copay after deductible (pre-certification required)

Emergency room: $1,000 copay after deductible. Ambulance: $250 ground / $1,000 air

Hospital stay: $2,500 copay per admission after deductible. Inpatient or outpatient surgery: $2,500 copay per surgery after deductible

Maternity: routine delivery $2,500 copay per admission; other routine maternity care 100% covered

Chiropractic: $50 copay (12 visits per year). Physical, occupational, speech, cardiac and respiratory therapy: $50 copay (16 visits per year combined)

Prescriptions through ProAct (1-888-250-8032): $0 preventive, generic urgent-care and generic maintenance drugs; brand and specialty drugs through patient assistance programs

Out-of-network: covered after deductible, then copay plus 10% coinsurance

2026 monthly rates, PHCS network (Employee / Employee + Spouse / Employee + Child(ren) / Family):

Ages 18-29: $369 / $729 / $719 / $999

Ages 30-44: $419 / $759 / $743 / $1,039

Ages 45-54: $459 / $809 / $789 / $1,109

Ages 55-64: $509 / $839 / $799 / $1,129

Rates effective January 1, 2026. This plan is underwritten by Benefit Re, Inc (NAIC #17459) and not by any network. Pre-certification is required for many services, and elective surgery is not covered in the first 90 days. This summary is general information only. It is not a substitute for the plan document or summary plan description and is not a policy of insurance. See the full brochure below.

Questions or ready to enroll? Book a call at calendly.com/smartinsurancestrategies, email team@smartinsurancestrategies.com, call 704-940-6654 or text 704-360-0462.

Download the 2026 Copay PPO $1,500 brochure (PDF)

LifeX Offers Health Coverage In Most States

LifeX Group Health COverage Information www.smartinsurancestrategies.com 704-940-6654

LifeX Health COverage Available States

Only Available in: Alabama -  AK ​Arizona - AZ ​Arizona  - AR ​California - CA ​Colorado - CO ​Connecticut - CT ​Delaware - DE ​Florida - FL ​Georgia - GA ​ ​Idaho - ID ​Illinois - IL ​Indiana - IN ​Iowa - IA ​Kansas - KS ​Kentucky - KY ​Louisiana - LA ​Maine - ME ​ MD ​Massachusetts - MA ​Michigan -  ​Mississippi - MS ​Missouri - MO ​Montana - MT ​Nebraska - NE ​Nevada - NV ​ ​New Jersey - NJ ​New Mexico - NM ​New York - NY ​North Carolina - NC ​North Dakota - ND ​Ohio - OH ​Oklahoma - OK ​ ​Pennsylvania - PA ​Rhode Island - RI ​South Carolina - SC ​South Dakota - SD ​Tennessee - TN ​Texas - TX ​Utah - UT  ​Virginia - VA ​ ​West Virginia - WV ​Wisconsin - WI ​Wyoming - WY 

Contact us as state availability changes!

LifeX is not yet available in

AK - Alaska, HI - Hawaii, MD - Maryland,  MN -Minnesota, NH - New Hampshire, OR - Oregon, VT Vermont, WA - Washington 

Contact us as state availability changes!

LifeX Offers Affordable Health Coverage Plans!

Ready to sign up for LifeX Health coverage?

LIFEX Coverage Sign Up / Contact Us

Ready to sign up for LifeX's offered Group  Health coverage?


Call us:

704-940-6654


Text us:

704-360-0462


Set an appointment with us:

Calendar


Email us:  team@smartinsurancestrategies.com 


Join our award-winning team!

Take the LifeX Recruiter Assessment

Join Our Award-Winning Team!

Join The Team!

Every Contact For Those On LifeX's Group Offered Plans

Everything you need to know to contact LifeX Group Health Plans

If you are looking to contact LifeX or affiliates

If you are having difficulty navigating all of the contact information out there on LifeX's Group Health Coverage, this is the perfect place to find all the contact numbers you need!

To sign up for LifeX's Group Offered Health coverage

To get coverage call: 704-940-6654. If you decide to sign up for LifeX's group-offered health plan, it's easy and takes no time to complete the enrollment process.

LifeX's offered "OUR LIVE DOC": Telehealth (940)548-3362 Extension #1

This is the number to call for your "Our Live Doc virtual telehealth." Save time and money and see a doctor from the comfort of your own home.

LifeX's Member's Claims and Customer Service: (940)548-3362

If you are already enrolled in LifeX's group-offered health plan and have a general question or a question about a bill, this is the number to call. LifeX's group health plan claims and customer service: (940)548-3362.

LifeX's Member's Provider and Eligibility: (940)548-3362

If you are currently enrolled in LifeX's group-offered health plan and are looking to find a provider in network, then call (940) 548-3362.

LifeX's Member's Pre-Certifications: (844) 580-2474

If you are on LifeX's offered group health plan, it's essential to obtain pre-certification before receiving certain services. If you don't, your plan may not cover the services. Review your summary of benefits to determine which services require pre-certification, or contact this number to find out: (844) 580-2474.

KMG SERVICES : LifeX's group-offered health plan's billing service: (833)564-2455

If you have a question on a bill from a provider or E.O.B. (explanation of benefits) then call this number. KMG handles the billing for LifeX's group-offered health plans. (833) 564-2455.

Want to become an agent or broker for LifeX? Call: (704)940-6654

Licensed health agents: help clients find coverage that fits. We train and certify brokers to offer LifeX's Employee Sponsored offered Group Health Plan. Learn more on our broker page or call (704) 940-6654.

LifeX's MVP agent/ broker support: (307)452-5055

If you are an agent or broker contracted to sell LifeX's group-offered health plans and have a question, call agent support at: (307)452-5055.

If you have Lifex's proac for pharmacy benefits: (877)635-9545

If you are on a group plan offered by LifeX that includes Proact Pharmacy benefits, call this number for assistance: (877) 635-9545.

LifeX's PHD support: (866) 357-4856

LifeX's TPA Customer Service (Benefit Health Plan / TPA Exchange): (844) 580-2474

If the group plan you are on, offered by LifeX, is managed by the plan's Third Party Administrator, call this number for help: (844) 580-2474. BHPI's name has changed, so it may show as Benefit Health Plan or TPA Exchange.

LifeX Group Health Plan Pricing

All costs and premiums for LifeX offered health plans right here

LifeX VL Plan Premiums by Age Band (PHCS Network)

Ages 18-29:

Employee: $267.00

Employee + Spouse: $596.00

Employee + Child(ren): $586.00

Family: $844.00


Ages 30-44:

Employee: $318.00

Employee + Spouse: $627.00

Employee + Child(ren): $611.00

Family: $885.00


Ages 45-54:

Employee: $359.00

Employee + Spouse: $679.00

Employee + Child(ren): $658.00

Family: $957.00


Ages 55-64:

Employee: $411.00

Employee + Spouse: $710.00

Employee + Child(ren): $668.00

Family: $977.00

LifeX Offers Affordable Health Coverage Plans!

Ready to sign up for LifeX Health coverage?

LIFEX Coverage Sign Up / Contact Us

Ready to sign up for LifeX's offered Group  Health coverage?


Call us:

704-940-6654


Text us:

704-360-0462


Set an appointment with us:

Calendar


Email us:  team@smartinsurancestrategies.com 


Brokers: Join our award-winning team!

Since 2016 Copyright © 2026 Smart Insurance Strategies - All Rights Reserved 704-940-6654
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