Start living the life you deserve to live. Live your life your way.
Take a new approach to healthcare! With PAL’s Health Choice Select Plan, individuals and families enjoy the freedom to choose affordable, quality healthcare services with set, first-dollar benefits for doctor visits, hospital stays, surgeries, preventive care and more.
Tired of traditional health insurance?
Us too!
It’s no secret that healthcare is becoming more expensive, restrictive and complex. But, this doesn’t have to be the norm! Here at PAL, it’s our mission to simplify the healthcare experience and put consumers in control of their healthcare journey - all at an affordable price.
How? With our Health Choice Select Plan, we provide individuals and families set, first-dollar benefits that enable them to seek quality care at a fair price.
Health Choice Select Plan Highlights
- Easy to use benefits that start right away - no deductibles, copays or coinsurance to worry about
- Set, first-dollar benefits that help pay for doctor visits, prescriptions, preventive care, surgeries, lab work, hospital stays and more
- The greatest level of freedom when it comes to choosing doctors, specialists and facilities - no referrals or networks required
- Flexibility to assign benefits to providers or to yourself should you wish to take advantage of cash pay pricing
- Unlimited, $0 virtual care visits - anytime and anywhere
- Access to one of the largest networks of healthcare providers bringing you significant discounts on healthcare services
- Plan is customized to fit your coverage and budget needs and savings are passed directly to you
- Access to a star line-up of fair pricing tools and resources - all available to help you save on quality care
More Than Just Insurance
As your PAL in healthcare, we provide many tools and resources to help you save!
List of Services
-
List Item 1List Item 1
Healthcare PALs
Your PAL when it comes to healthcare! To get the most out of your benefits - and avoid surprise
medical bills - call a Healthcare PAL before receiving care. Our experienced team of claims
professionals, nurses and care coordinators can help guide you to quality care at a fair price.
-
List Item 2List Item 2
New Era Telehealth
Talk to a doctor, 24/7/365, for $0 with Virtual Urgent Care! This plan includes unlimited Virtual Urgent
Care visits with board certified doctors at no cost to you! Talk to a doctor, get a diagnosis, and even
a prescription when needed, all within minutes. Additional telehealth services available at a special
member rate include: Virtual Dermatology Care, Virtual Counseling and Psychiatric Medical Care.
-
List Item 3List Item 3
First Health Network
An additional opportunity to save! This plan provides access to the First Health Limited Benefit Plan
(LBP) Network for discounts on healthcare services such as doctor visits, hospital stays, labs and more!
-
List Item 4List Item 4
Concierge, Powered by Healthcare Bluebook
Save big on outpatient surgeries and other medical services! Think of Concierge as your personal
healthcare shopper - scheduling care, handling details, and even bundling procedures into one easy
bill. With hands-on support from Concierge, you’ll avoid surprise bills and maximize savings on the care
you need.
-
List Item 5
Fair Pricing Tool, Powered by Healthcare Bluebook
Stop overpaying for healthcare services! The cost of healthcare services varies significantly between
providers. Our Fair Pricing Tool can help you determine the Fair Price in your area. That way, you’ll
know if you are overpaying for care.
-
List Item 6
PAL Rx Saver, Powered by Drexi
Prescriptions without the mark-ups! Easily shop and compare pricing for prescriptions nearest to you.
You’ll know the true cost and just where to go - no hidden fees, only savings.
-
List Item 7
Medical Bill Eraser, Powered by CareGuide
Advocates who work to help fight medical bills! Need help fighting a medical bill? Call on the
Medical Bill Eraser advocacy team powered by CareGuide for help. These world class advocates
are dedicated to fighting on your behalf to reduce or possibly eliminate large medical bills using
innovative technology and expert negotiation techniques. You deserve to feel confident that you
were billed fairly and accurately for the care you received.
-
List Item 8
The Benefit PAL Mobile App
Your PAL when it comes to managing healthcare on the go! Access ID cards, benefit information,
claims history and more all in one convenient location.
What is a hospital indemnity plan?
Hospital indemnity plans pay set-dollar amounts for care no matter what the provider charges. If the cost for care is less than the indemnity benefit, insureds keep any difference. Subsequently, if the cost for care is more than the indemnity benefit, insureds are responsible for any remaining costs.
Is this an Affordable Care Act (ACA) plan?
No, this plan is an alternative to ACA and is not ACA compliant.
Are there any copays?
This plan does not have any copays. Any costs exceeding the benefit amount are the insured’s responsibility.
Is there a deductible?
This plan does not have a deductible. Set benefits are paid right away for covered services.
Is there a waiting period?
Benefits are covered from day one except for preventive care (60 day waiting period) and preexisting conditions (12 month waiting period) as outlined in the Policy.
Does this plan cover pre-existing conditions?
Pre-existing conditions are not covered for the first 12 months of the Policy. Please see the Limitations and Exclusions page, or review the Policy, for more information about pre-existing conditions.
Is there a network and do I have to use it?
This plan provides you the freedom to choose any doctor or facility you wish. However, using the provided network can result in significant savings. The plan benefits will pay the same benefits whether you choose to go in or out of network.
How can I find providers in the network?
Visit www.neweralife.com. Select the Provider Search tool within the menu to view providers. Always, check with the provider before making an appointment as the network can change at anytime.
What if I want more coverage?
PAL provides many options that can help fill in the gaps. From basic accident coverage to comprehensive cancer coverage, we can help you get the affordable coverage you need. Ask your agent for more information.
How can I reduce my out-of-pocket healthcare expenses?
Calling PAL before seeking care, using telemedicine, shopping for services and using the network are all some of the many ways to reduce your out-of-pocket costs
When can I enroll?
You can apply anytime of the year.