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LIFE X GROUP COVERAGE!
ABOUT LIFE X
About LifeX
Q: Why are we so excited?
A: After years of listening, learning, and searching, we’re thrilled to introduce Life x Health Insurance—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 insurance policy—it’s peace of mind, finally made personal. Whether focused on long-term security, day-to-day wellness, or protecting what matters most, Life x Health 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
Here are just a few benefits at a fraction of the cost of other plans!
- Lock in your rate until at least age 65 – No surprise rate increases!
- ACA compliant and meets Minimum Essential Coverage (MEC)
- Most pre-existing conditions covered.
- Deductibles as low as $250.
- 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.
- Affordable scans, MRIs, and X-rays – Health care without breaking the bank.
- Chiropractic care - Stay aligned and healthy with covered chiropractic treatments.
- Blue Cross Blue Shield or 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 America’s Choice because they love the plan.
- Low-claim groups even receive a partial refund!– Get rewarded for staying healthy!
ENROLLMENT
Q: When do employee benefits recurring payments come out?
A: Your benefit payments are automatically drafted around the 15th of each month, making it easy for you to stay on top of things without having to worry about missing a payment!
Q: How does the pre-certification process work?
A: When you need a pre-certification, your healthcare provider will submit a request directly. We’ll review it to make sure it’s medically necessary and covered by your plan. You’ll receive an approval or denial, and if needed, you can appeal the decision. We’ll even arrange a peer-to-peer conversation to make sure everything is thoroughly reviewed. There are no network limitations for care, so LifeX works with any facility to ensure your care is approved at the right rates.
Q: How do I file an appeal?
A: If you need to file an appeal, simply send a letter to our Third-Party Administrator (TPA), Benefits Health Plan Inc., explaining the issue and including any supporting information. This will kick off the appeals process and get everything reviewed.
Q: How do I look up my current providers to make sure they’re in the network?
A: It’s easy to check! Just visit your Personal Health Dashboard™ and use the search function. You can also check with your provider directly to confirm they’re in the network, as PHCS PPO, Cigna PPO, and Anthem BC/BS PPO update their lists regularly.
Q: Can I get an electronic version of my Medical ID Card while I wait for the physical card?
A: Absolutely! You can access your electronic Medical ID Card right in your Personal Health Dashboard™.
Q: How do I register for OurLiveDoc (telemedicine)?
A: It’s simple! Just log in to your Personal Health Dashboard™, go to Benefits > Telemedicine, and follow the easy steps to activate your account. You can also call us at 940-LIVEDOC for assistance.
Q: How do I know the specific limits on drugs?
A: You can easily find the formulary for your plan by checking the links below, depending on your plan type.
- For MM or HSA plans: Advantage Formulary & Advantage Tiered Formulary
- For VL plans: VL Formulary
- For all employees: Telehealth & Mail Order Formulary
Plus, don’t forget to check the Pharmacy Exclusions for any specific details you may need.
ABOUT LIFE X
About LifeX
Q: Why are we so excited?
A: After years of listening, learning, and searching, we’re thrilled to introduce Life x Health Insurance—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 insurance policy—it’s peace of mind, finally made personal. Whether focused on long-term security, day-to-day wellness, or protecting what matters most, Life x Health 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
Here are just a few benefits at a fraction of the cost of other plans!
- Lock in your rate until at least age 65 – No surprise rate increases!
- ACA compliant and meets Minimum Essential Coverage (MEC)
- Most pre-existing conditions covered.
- Deductibles as low as $250.
- 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.
- Affordable scans, MRIs, and X-rays – Health care without breaking the bank.
- Chiropractic care - Stay aligned and healthy with covered chiropractic treatments.
- Blue Cross Blue Shield or 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 America’s Choice because they love the plan.
- Low-claim groups even receive a partial refund!– Get rewarded for staying healthy!
PLAN DESIGN
Q: Can I pay my contributions for the whole year upfront?
A: Unfortunately, paying for the whole year upfront isn’t an option at this time, but we’re always working on ways to make things easier for you!
Q: Can I make changes to my policy, like adding dependents, adjusting plan levels, or changing effective dates?
A: You can make changes during the Open Enrollment period. If you need to make changes outside of that time, it’ll require a Qualified Life Event (QLE). Don’t worry—you can easily find the QLE form here in your Personal Health Dashboard™.
Q: Can I cancel my plan at any time? What are the restrictions?
A: Yes, you can cancel your plan at any time. Just note that cancellations don’t come with partial refunds. For example, if you cancel on November 15th, you’ll be covered for the rest of the month, but won’t be charged again after that, and your coverage will end on December 1st.
Q: Do copays count toward my deductible?
A: Copays don’t count toward your deductible, but they do contribute to your maximum out-of-pocket costs.
Q: If I choose not to complete activities, will I be terminated?
A: While completing activities is optional, we strongly encourage participation. These activities help you stay on top of your health, lower healthcare costs, and reduce the risk of serious health issues. If you choose not to complete them, it could lead to termination of your employment.
Q: What happens if I cancel or withdraw from the employee benefit plans? Can I move to an ACA plan?
A: If you decide to cancel or withdraw, it’s best to reach out to an ACA specialist to help you with transitioning to a different plan.
Q: How do I submit a claim?
A: Submitting a claim is easy! Simply download the reimbursement form from your Personal Health Dashboard™, follow the instructions, and submit it. Clean claims are typically processed within 7-10 business days and paid out within two weeks.
Pre-Existing Conditions
Our plans offer coverage for pre-existing conditions, including chronic conditions and mental health conditions.
Easy Claim Process
Our claim process is simple and easy to use, with quick reimbursement times.
Life X Customer Service,claims and Support Phone Numbers
LIFE X HEALTH CUSTOMER SERVICE AND SUPPORT PHONE NUMBERS
Life X Customer Service and Support Phone Numbers
Urgent Information
We are here to educate! We'll help you find great, affordable medical coverage. Always read current brochures, as information is often updated.