Wellness 360

A Preventative & Wellness Solution

Compare Plan Prices

Wellness 360

A Preventative & Wellness Solution

Compare Plan Prices

Solutions for Everyone

One Low Monthly Price

When it is time for an annual checkup or when necessary to visit the doctor for injury or illness, Wellness 360 has you covered. With five plans to choose from, members will have 4 or 6 in-network office visits per year.

Solutions for Everyone

One Low Monthly Price

When it is time for an annual checkup or when necessary to visit the doctor for injury or illness, Wellness 360 has you covered. With five plans to choose from, members will have 4 or 6 in-network office visits per year.

Why Wellness 360?

Doctor/Specialist Visits Included

Going to the doctor when you are running a fever or have pulled a muscle in your back should not be a financial decision. With Wellness 360, you and your family are covered with low-cost copays for a number of physician and specialist visits each year. In addition, protect your health and well-being with 100% coverage on all ACA mandated preventative services.

  • Access to a Large Network of Physicians & Specialists

  • Save Money on Prescriptions

  • Five Plans to Choose From for You & Your Family

  • Hospital Indemnity Benefits on Select Plans
  • Access to Multiple Value-Added Benefits

  • ACA Mandated Screenings, Immunizations & Testing Included

Why Wellness 360?

Doctor/Specialist Visits Included

Going to the doctor when you are running a fever or have pulled a muscle in your back should not be a financial decision. With Wellness 360, you and your family are covered with low-cost copays for a number of physician and specialist visits each year. In addition, protect your health and well-being with 100% coverage on all ACA mandated preventative services.

Access to a Large Network

Save Money on Prescriptions

Five Plans to Choose From

Hospital Indemnity Benefits on Select Plans

Access to Multiple Value-Added Benefits

ACA Mandated Screenings

Immunizations & Testing Included

The Value In Wellness 360

MultiPlan’s PHCS Network gives plan members peace of mind that they’ll have doctors in network, at home or on the road.

The Value In Wellness 360

MultiPlan’s PHCS Network gives plan members peace of mind that they’ll have doctors in network, at home or on the road.

Great Wellness Solutions For Everyone

There’s a plan for everyone. Find the one that’s right for you and your family.

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Basic

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Guaranteed Issue
  • No exclusions for pre-existing conditions
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Plus

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (4) Physician Office Visits – $25 copay
  • Includes (2) Specialist Office Visits – $50 copay
  • Guaranteed Issue
  • No exclusions for pre-existing conditions
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Preferred

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits
  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Premium

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits
  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Platinum

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (4) Physician Office Visits – $25 copay
  • Includes (2) Specialist Office Visits – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits

  • Guaranteed Issue

  • Available in 44 states & D.C.

  • PHCS Network (Specific Services)

Plan Information

Great Wellness Solutions For Everyone

There’s a plan for everyone. Find the one that’s right for you and your family.

Digital image of hands and heart green and white

Basic

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Guaranteed Issue
  • No exclusions for pre-existing conditions
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Plus

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (4) Physician Office Visits – $25 copay
  • Includes (2) Specialist Office Visits – $50 copay
  • Guaranteed Issue
  • No exclusions for pre-existing conditions
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Preferred

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits
  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Premium

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (3) Physician Office Visits – $25 copay

  • Includes (1) Specialist Office Visit – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits
  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Platinum

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (4) Physician Office Visits – $25 copay
  • Includes (2) Specialist Office Visits – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation
    on Indemnity Benefits

  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information
Digital image of hands and hearts green and white

Platinum

  • 100% Coverage for ACA Preventive & Wellness Services

  • Includes (4) Physician Office Visits – $25 copay
  • Includes (2) Specialist Office Visits – $50 copay
  • Group Fixed Indemnity Limited Benefit Medical Administered by Triada Assurance Company
  • 12 Month Pre-existing Condition Limitation on Indemnity Benefits
  • Guaranteed Issue
  • Available in 44 states & D.C.
  • PHCS Network (Specific Services)
Plan Information

Locate A Provider

Network Search

  1. Click on Find a Provider Find a doctor or facility page
  2. Click on the Select Network button and choose PHCS
  3. Click on Specific Services
  4. Type in the search criteria and location
Search Providers
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Locate A Provider

Network Search

Digital image of United States in Green and Blue
  1. Click on Find a Provider Find a doctor or facility page
  2. Click on the Select Network button and choose PHCS
  3. Click on Specific Services
  4. Type in the search criteria and location
Search Providers
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SimpleScripts Rx

Genuine Medicines

SimpleScripts Rx has created a No-cost MEC (Minimal Essential Coverage) Medication Program that includes 95 ACA (Affordable Care Act) drugs at no-cost, plus great discounts on all other medications.

Search Medications

SimpleScripts Rx

Genuine Medicines

Mom holding daughter standing at pharmacy counter

SimpleScripts Rx has created a No-cost MEC (Minimal Essential Coverage) Medication Program that includes 95 ACA (Affordable Care Act) drugs at no-cost, plus great discounts on all other medications.

Search Medications

Significant Value Included in Every Plan

Members receive additional benefits, enhancing each plan by providing access to solutions for other health needs.

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Eye Med Logo Medium Green and Grey
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Significant Value Included in Every Plan

Members receive additional benefits, enhancing each plan by providing access to solutions for other health needs.

Teladoc Logo Purple and Turquoise
LEARN MORE
LetsGetChecked small logo
LEARN MORE
MyMedLab Logo Medium
LEARN MORE
ICE Tracer Logo Medium
LEARN MORE
LEARN MORE
Beltone Logo Medium
LEARN MORE
Medium Cigna Logo
LEARN MORE
Eye Med Logo Medium Green and Grey
LEARN MORE

Not Available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.

The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan.

The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., 5005 Lyndon B Johnson Fwy #1500, Dallas, Texas 75244. You may call 888-918-2386 for more information or visit www.aobgmemberportal.com for a list of providers.

The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Alliance HealthCard of Florida, Inc. does not guarantee the quality of the services or products offered by individual providers. You have the right to cancel your membership at any time. If you cancel your membership within 30 days of the effective date, you will receive a full refund of all periodic charges. The processing fee is non-refundable except in AR, MD and TN. To cancel you must, notify the Health Depot Association verbally or in writing; notify Health Depot Association at 6801 Gaylord Parkway, Suite 402, Frisco, TX 75034 or by calling 888-918-2386. We will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after cancellation. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint.

Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.

Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

Not Available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.

The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan.

The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., 5005 Lyndon B Johnson Fwy #1500, Dallas, Texas 75244. You may call 888-918-2386 for more information or visit www.aobgmemberportal.com for a list of providers.

The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Alliance HealthCard of Florida, Inc. does not guarantee the quality of the services or products offered by individual providers. You have the right to cancel your membership at any time. If you cancel your membership within 30 days of the effective date, you will receive a full refund of all periodic charges. The processing fee is non-refundable except in AR, MD and TN. To cancel you must, notify the Health Depot Association verbally or in writing; notify Health Depot Association at 6801 Gaylord Parkway, Suite 402, Frisco, TX 75034 or by calling 888-918-2386. We will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after cancellation. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint.

Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.

Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

Introducing a Financial Safety Net for Your Healthcare Needs

Pay for the healthcare you need when you need it… even if that is today

The SmartHealth PayCard

A Financial Cure for Healthcare™

SmartHealth PayCard seeks to empower individuals and families with financial solutions and resources to simplify and improve their ability to pay for healthcare.

Our dedicated team at SmartHealth PayCard has extensive experience in healthcare, insurance, government regulations, and finance. We seek to introduce transformative change to healthcare that benefits patients, healthcare providers, and society at large.

  • The SmartHealth PayCard™ Mastercard® credit card is designed for healthcare expenses for people and their pets. It can used for day-to-day expenses like prescriptions and co-pays, and toward deductibles in case of a surgery, emergency or accident.

  • Express Approval Process: Get access to up to $30,000 as a line of credit within minutes of application, if approved. Approved applicants are emailed a virtual card to make same-day payments toward family health needs and veterinary services.

  • Freedom of Choice: No restrictive networks. Choose any provider, facility, or veterinarian. Use at any healthcare practitioner where Mastercard® is accepted.

  • Your Everyday Card: Pay for veterinary services, health insurance premiums, deductibles, copays, preventative care, emergencies, dental, mental health, vision, and more.

  • At No Additional Cost: Cardholders and their families also receive unique healthcare benefits, so you can stay focused on your health, not how to pay for it.

Apply Now

Compare Plan Prices

100% Coverage for ACA Preventive & Wellness Services

Compare Plan Prices

100% Coverage for ACA Preventive & Wellness Services

Basic

$16900starting

Plus

$18900starting

Preferred

$26900starting

Premium

$35900starting

Platinum

$42900starting

Basic

$16900starting

Plus

$18900starting

Preferred

$26900starting

Premium

$35900starting

Platinum

$42900starting

Testimonials

Here’s what our happy members had to say about Wellness 360:

“Having this plan was helpful when it came to getting my four boys ready for football season. We scheduled their physicals and yearly immunizations with one of the in-network doctors for the very next day.”

Kelly L

“After stepping off the ladder and twisting my ankle I did not hesitate to see go to the doctor. I am glad I did because they ended up sending me to the ER and my plan gave me visit coverage.”

Alan G

“As I have gotten older, I have realized that staying up to date on my health screenings is very important. Being on a fixed income, now I can get tested for diabetes, cholesterol, cancer and more for no additional costs.”

Kenneth H

“When I decided to travel the world, I knew I would need a ton of immunizations. Fortunately, my Wellness 360 membership covered all the ones I needed for no extra cost. Bon Voyage!”

Amy S

“I was happy to learn that with my Wellness 360 plan I could receive discounted diabetic supplies. Testing three times a day was getting expensive and is now affordable.”

Linda J

Testimonials

Here’s what our happy members had to say about Wellness 360:

“Having this plan was helpful when it came to getting my four boys ready for football season. We scheduled their physicals and yearly immunizations with one of the in-network doctors for the very next day.”

Kelly L

“After stepping off the ladder and twisting my ankle I did not hesitate to see go to the doctor. I am glad I did because they ended up sending me to the ER and my plan gave me visit coverage.”

Alan G

“As I have gotten older, I have realized that staying up to date on my health screenings is very important. Being on a fixed income, now I can get tested for diabetes, cholesterol, cancer and more for no additional costs.”

Kenneth H

“When I decided to travel the world, I knew I would need a ton of immunizations. Fortunately, my Wellness 360 membership covered all the ones I needed for no extra cost. Bon Voyage!”

Amy S

“I was happy to learn that with my Wellness 360 plan I could receive discounted diabetic supplies. Testing three times a day was getting expensive and is now affordable.”

Linda J

Frequently Asked Questions

Depending on the plan type chosen, office visits to a PCP and/or Specialist are provided in addition to your covered preventative/wellness visits. Doctor visits range from 4 to 6 visits per plan year, with either 1 or 2 specialist visits.

Members Services is available M-Th 9am-6pm/ Fri 9am-4pm (CST) by phone at (888) 918-2386 or by email at members@aobgrp.com.

To find providers that are included in your network for doctor and ancillary services, visit this link.

All Medications under the ACA/MEC Plan are covered at 100%. See formulary for details.

Teladoc gives members access to talk to a doctor by phone, web or mobile app, anytime, anywhere. Teladoc prescribes medical treatment for a wide range of conditions.

MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than your doctor’s office or local hospital lab.

The Plan contains a Pre-existing condition limitation on the Fixed Indemnity Limited Benefit Medical Plan benefits found on levels Preferred, Premium and Platinum.  The Plan will not pay benefits for any Condition or Illness, beginning on the Participant’s Active Date, which is caused by, contributed to, or resulting from a Pre-existing Condition. If a Pre-existing condition results in a Fixed Indemnity Limited Benefit Medical Plan claim during the first 12 Months, beginning on the Participant’s Active Date, no benefits will be payable for that claim. Pre-existing condition means a sickness or physical condition which, within 12 Months prior to the Participant’s Active Date, resulted in Medical Advice or Treatment.

YES! Mammograms for woman age 40 or over are covered at 100% under all of the Wellness 360 plan options.

YES! Colorectal Cancer screenings, including colonoscopies are covered at 100% under all of the Wellness 360 plan options.

Members save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor.

Members receive discounts on exams, frames, lenses and laser vision correction services with access to a national network of over 65,000 vision providers in 26,000 locations. Each Eye Med membership provides access to participating independent optometrists, ophthalmologists and opticians located throughout the country.

You will receive an electronic membership card that can be presented at any retail pharmacy (over 67,000 in network) and if on the formulary – pay nothing. If it is not on the $0.00 formulary, your out-of-pocket cost is based on a deeply discounted price. Present your Rx Card to the pharmacy of your choice. Your Rx Card will display your BIN, Group Number and PCN to present to the pharmacist. You will pay nothing at the pharmacy.

In the event of a medical emergency, First Responders have access to stored vital health information to provide members with the best care possible. Your stored profile is accessible by scanning the QR code on your member card or entering your ID number online.

Members and their immediate family members receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.

The Wellness 360 includes 5 levels to choose from, Basic, Plus, Preferred, Premium, & Platinum. The Preferred, Premium & Platinum plan options include indemnified hospitalization benefits that do include a benefit for childbirth. This is NOT a maternity benefit, but only a benefit that is payable upon hospitalization due to childbirth.

YES! All of the Wellness 360 plan options give our members access to 4 or 6 doctor visits, for both PCP and Specialists visits.

The states that the Wellness 360 is not available in are: ME, MD, NH, NJ, NY, WA. All other states and Washington D.C. have access to the Wellness 360

LetsGetChecked provides members with access to over 30 at-home testing kits that are easy to use and understand. Avoid doctor’s offices with FDA lab and physician approved testing. Confidential and accurate results are available from your secure online account within 2 to 5 days.

SALVASEN HEALTH LIMITED MEDICAL© IS A LIMITED BENEFIT INSURANCE POLICY.

Fixed Indemnity Limited Benefit Medical is administered by Salvasen Health, Houston, TX. This insurance is not basic health insurance or major medical coverage; it is not designed as a substitute for basic health insurance or major medical coverage, nor does it comply with the requirements of the Affordable Care Act (ACA). Fixed Indemnity Limited Benefit Medical Insurance is subject to provisions, benefits, exclusions or limitations of the Certificate which may vary by state. Coverage becomes effective on the date provided in the membership material. The insurer has the right to increase premium rates and has the option to cancel coverage. Spouse includes Domestic Partner if legally recognized in the governing jurisdiction. Your coverage will continue as long as the Certificate remains in force and the premiums are paid. Any dependents covered under the Certificate will remain covered as long as they remain eligible, the Member’s coverage remains in force, and the required premium is paid. All coverage will end on the date any insured person submits a fraudulent claim. Some provisions, benefits, exclusions or limitations listed herein may vary by state. Not available in all states. Please refer to your “Certificate of Coverage – General Provisions” for your exact terms and conditions.

MEDICAL BENEFITS (PREVENTIVE CARE ONLY)

A Participant is entitled to the Covered Expenses described in this Certificate of Coverage. For coverage under this Plan, Covered Expenses must be ordered by a Physician or Provider. Services that are not listed here-in or are listed in the General Limitations and Exclusions are not Covered Expenses.

The Plan covers preventive and wellness services for eligible adults and Children and women’s preventive services. Unless otherwise noted, frequency will be presumed to be annual. Benefits include gender- specific Preventive Care services, regardless of the sex the Participant was assigned at birth, his or her gender identity, or his or her recorded gender. Subject to the Plan’s provisions, limitations and Exclusions, the following are covered benefits when received at an In-Network Provider with no cost-sharing. Note, however, that if it is verified by the Third-Party Administrator that the eligible service is not available In-Network, benefits will be paid at the In-Network benefit level (i.e. no cost-sharing) so long as there is no In-Network provider for the eligible service within 50 miles from the Participant’s residence.

SALVASEN HEALTH LIMITED MEDICAL© IS A LIMITED BENEFIT INSURANCE POLICY.

Fixed Indemnity Limited Benefit Medical is administered by Salvasen Health, Houston, TX. This insurance is not basic health insurance or major medical coverage; it is not designed as a substitute for basic health insurance or major medical coverage, nor does it comply with the requirements of the Affordable Care Act (ACA). Fixed Indemnity Limited Benefit Medical Insurance is subject to provisions, benefits, exclusions or limitations of the Certificate which may vary by state. Coverage becomes effective on the date provided in the membership material. The insurer has the right to increase premium rates and has the option to cancel coverage. Spouse includes Domestic Partner if legally recognized in the governing jurisdiction. Your coverage will continue as long as the Certificate remains in force and the premiums are paid. Any dependents covered under the Certificate will remain covered as long as they remain eligible, the Member’s coverage remains in force, and the required premium is paid. All coverage will end on the date any insured person submits a fraudulent claim. Some provisions, benefits, exclusions or limitations listed herein may vary by state. Not available in all states. Please refer to your “Certificate of Coverage – General Provisions” for your exact terms and conditions.

MEDICAL BENEFITS (PREVENTIVE CARE ONLY)

A Participant is entitled to the Covered Expenses described in this Certificate of Coverage. For coverage under this Plan, Covered Expenses must be ordered by a Physician or Provider. Services that are not listed here-in or are listed in the General Limitations and Exclusions are not Covered Expenses.

The Plan covers preventive and wellness services for eligible adults and Children and women’s preventive services. Unless otherwise noted, frequency will be presumed to be annual. Benefits include gender- specific Preventive Care services, regardless of the sex the Participant was assigned at birth, his or her gender identity, or his or her recorded gender. Subject to the Plan’s provisions, limitations and Exclusions, the following are covered benefits when received at an In-Network Provider with no cost-sharing. Note, however, that if it is verified by the Third-Party Administrator that the eligible service is not available In-Network, benefits will be paid at the In-Network benefit level (i.e. no cost-sharing) so long as there is no In-Network provider for the eligible service within 50 miles from the Participant’s residence.