PSM PPO · First Health · HealthSmart · PHCS

PSM PPO $2,500 PPO · PHCS

PPOPHCSVerify details at enrollment

Traditional PPO coverage in metal tiers from $500 to $7,350 deductibles.

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Published monthly rates

Rate calculated at enrollment

This plan's rates are computed from your date of birth on the enrollment page — it takes about a minute and doesn't require an account. Rates are set by age band and by who you cover.

What you pay for care

Deductible (in-network)$2,500 / $5,000 family

Deductible (out-of-network)$5,000 / $10,000 family

Out-of-pocket max$7,350 / $14,700 family

Doctor office visit$25

Specialist visit$40

Urgent care$60

Emergency roomDeductible + coinsurance

Telehealth$0 with the plan's telemedicine provider

Prescription coverage

Doctor-visit copays include standard retail generic coverage; see the plan summary for tier details. Specialty medications are not covered.

Network & finding your doctor

PSM PPO · First Health / HealthSmart / PHCS

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Where it's available

Available in 39 states. Not yet available in: California, Connecticut, Hawaii, Maryland, Minnesota, New Hampshire, Oregon, Pennsylvania, Vermont, Washington, Wisconsin.

Eligibility & membership

These are group plans for members of the PSM Working Owners association — built for the self-employed, 1099 contractors, freelancers, and gig workers
Enrollment includes a short health questionnaire; significant pre-existing or chronic conditions may not qualify
Membership means a 2-minute health survey each month — and you earn $10/month for completing it
Coverage starts the 1st of the month after enrollment; final rate and fees are confirmed at checkout

Plan documents

All plans require joining the Working Owners group: a 2-minute health survey each month that pays you $10/month.

These are self-funded association group plans, not ACA marketplace coverage. Eligibility depends on a short health questionnaire. Specialty medications are excluded on all plans. Rates shown exclude membership and admin fees, which are disclosed at enrollment.