Signed in as:
filler@godaddy.com
Signed in as:
filler@godaddy.com
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:
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
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!
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!
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.
Become a LifeX Research Associate
Earn Money. Access Health Benefits. Advance Innovation.
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.
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.
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.
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 HEALTH CUSTOMER SERVICE AND SUPPORT PHONE NUMBERS
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.
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.
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!
AK - Alaska, HI - Hawaii, MD - Maryland, MN -Minnesota, NH - New Hampshire, OR - Oregon, VT Vermont, WA - Washington
Contact us as state availability changes!
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:
Email us: team@smartinsurancestrategies.com

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

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
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:
Email us: team@smartinsurancestrategies.com
Brokers: Join our award-winning team!
Since 2016 Copyright © 2026 Smart Insurance Strategies - All Rights Reserved 704-940-6654
PSM Population Science Management - LifeX - Allstate
We are here to educate! We'll help you find great health coverage. Always read current brochures, as information is often updated.