Exclusive Health Plans
Access large-group pricing and comprehensive coverage through Elevate Wellness — available only through Independent Health Agents.
★ Available in All 50 States | No Referrals Required | ACA Compliant
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Cigna PPO Plans
Anthem Blue Card PPO Plans
Blue Card 6750
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Blue Low
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Blue Card 350
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Cigna PPO Network • All 50 States
Cigna Ultra Plans
Traditional co-pay plans on the Cigna Open Access national PPO network. No referrals required, 12-month rate lock, and ACA compliant.
| Benefit | Ultra 1000 Most Comprehensive |
Ultra 3000 Best Value |
Ultra 6000 Lowest Premium |
|---|---|---|---|
| In-Network Benefits | |||
| Deductible (Single / Family) | $1,000 / $2,000 | $3,000 / $6,000 | $6,000 / $12,000 |
| Max Out-of-Pocket (Single / Family) | $5,000 / $10,000 | $9,450 / $18,900 | $9,450 / $18,900 |
| Coinsurance | 80% | 70% | 70% |
| Primary Care Visit | $20 copay | $30 copay | $30 copay |
| Specialist Visit | $40 copay | $60 copay | $60 copay |
| Urgent Care | $40 copay | $60 copay | $60 copay |
| Preventive Care | Covered 100% | Covered 100% | Covered 100% |
| Mental Health (Outpatient) | $20 copay | $30 copay | $30 copay |
| Emergency Room | 20% after ded. | 30% after ded. | 30% after ded. |
| Hospitalization (Inpatient) | 20% after ded. | 30% after ded. | 30% after ded. |
| CT / PET / MRI | 20% after ded. | 30% after ded. | 30% after ded. |
| Maternity | 20% after ded. | 30% after ded. | 30% after ded. |
| Rehab / Habilitative Services | $20 copay/visit 20 visits/yr combined |
$60 copay/visit 20 visits/yr combined |
$60 copay/visit 20 visits/yr combined |
| Skilled Nursing | 20% after ded. 90 days/yr |
30% after ded. 60 days/yr |
30% after ded. 60 days/yr |
| Prescription Drugs (30-Day Supply) | |||
| Generic | $15 | $15 | $15 |
| Brand Preferred | $45 | $65 | $65 |
| Non-Preferred Brand | $85 | $100 | $100 |
| Specialty | Through MyRX (PAP required) | Not Covered | Not Covered |
| Out-of-Network Benefits | |||
| Out-of-Network Deductible | $2,000 / $4,000 | $6,000 / $12,000 | $12,000 / $24,000 |
| Out-of-Network Max OOP | $10,000 / $20,000 | $18,950 / $37,900 | $18,900 / $37,900 |
| Out-of-Network Coinsurance | 60% | 40% | 40% |
Get Your Cigna Ultra Quote & Enroll
Scan the QR code or click below to view rates and apply.
patriotmedicalplan.com/iha →Anthem Blue Card PPO • National Network • All 50 States
Anthem Blue Card Plans
Access the nation’s largest PPO network with Anthem’s BlueCard program — accepted by providers coast to coast in all 50 states.
Blue Card 6750
Best for: Healthy individuals who want low premiums and catastrophic protection
An HSA-qualified high-deductible plan. Everything is covered at 100% after you meet your deductible — no copays, no coinsurance. Ideal for those who rarely visit the doctor but want full protection if something major happens.
Blue Low
Best for: Individuals and families who want $0 deductible with moderate cost-sharing
A $0 deductible plan with day-one coverage. You pay copays for office visits and 40% coinsurance for other services — no deductible to meet first. Great for people who want predictable costs and use healthcare regularly.
Blue Card 350
Best for: Individuals and families who want rich coverage with low out-of-pocket costs
The most comprehensive Blue Card option with just a $350 deductible. Low copays for office visits ($25 primary / $35 specialist) and prescription drugs. Ideal for those who want peace of mind and the best coverage available.
🏥 BlueCard National PPO Network
- Access to 1.7 million+ providers nationwide
- Accepted at 96% of hospitals across all 50 states
- No referrals required to see any specialist
- In-network and out-of-network coverage included
- BlueCard PPO — the largest national PPO network in the U.S.
- Out-of-network paid at 125% of Medicare rates
📋 Underwriting & Eligibility
- Simplified underwriting — short health questionnaire required
- Issue ages: 18–64 (dependents may be added)
- Coverage effective on the 1st of the month following approval
- Enrollment deadline: 20th of the month prior to effective date
- 12-month rate lock from effective date
- Must join Elevate Wellness national association
- ACA-compliant plans with mandated preventive services
| Benefit | Blue Card 6750 HSA Qualified |
Blue Low $0 Deductible |
Blue Card 350 Most Popular |
|---|---|---|---|
| In-Network Benefits | |||
| Deductible (Single / Family) | $6,750 / $13,500 | $0 / $0 | $350 / $700 |
| Max Out-of-Pocket (Single / Family) | $6,750 / $13,500 | $8,150 / $16,300 | $6,750 / $13,500 |
| Coinsurance | Subject to ded., no copay | 40% | 30% after ded. |
| Primary Care Visit | After deductible, no copay | $30 copay | $25 copay |
| Specialist Visit | After deductible, no copay | $50 copay | $35 copay |
| Urgent Care | After deductible, no copay | $30 copay | Ded. & Co-Insurance |
| Preventive Care | Covered 100% | Covered 100% | Covered 100% |
| Mental Health (Outpatient) | After deductible, no copay | $50 copay | $35 copay |
| Emergency Room | After deductible, no copay | $250 copay + 40% | Ded. & Co-Insurance |
| Hospitalization (Inpatient) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Diagnostic Testing (X-Ray, Labs) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Advanced Imaging (CT, MRI) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Maternity / Childbirth | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Chiropractic | After deductible, no copay | 30 visits/yr | $35 copay 30 visits/yr |
| Rehabilitation Services | After deductible, no copay OP: 30 / IP: 120 visits/yr |
40% Co-Insurance | Ded. & Co-Insurance OP: 30 / IP: 120 visits/yr |
| Durable Medical Equipment | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Home Health Care | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Union Death Benefit | $5,000 | — | $5,000 |
| Prescription Drugs | |||
| Generic | $0 (after ded.) | $0 | $0 |
| Brand Preferred | 25% (after ded.) | 25% | 25% |
| Non-Preferred Brand | 50% (after ded.) | 50% | 50% |
| Subject to Deductible? | Yes | No | No |
| Out-of-Network Benefits | |||
| Out-of-Network Deductible | $10,000 / $20,000 | $7,900 / $15,000 | $700 / $1,400 |
| Out-of-Network Max OOP | $20,000 / $40,000 | Unlimited | Unlimited |
| Out-of-Network Coinsurance | 50% | 50% | 50% |
| OON Payment Basis | 125% of Medicare | 125% of Medicare | 125% of Medicare |
Get Your Anthem Blue Card Quote & Enroll
Scan the QR code or click below to view rates and apply.
eliteenroll.com/iha →Ready to Get Started?
Questions? Our licensed agents are here to help you choose the right plan.
Call 312-588-9915Plans offered through Elevate Wellness national association. Access requires membership.
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