Your Comprehensive Health Care Benefit

Enjoy a comprehensive benefit designed to meet your unique health care needs. Enroll in the Health Access Benefit only or pair with a medical cost sharing membership.

Health Access Benefit

Access to care that is both affordable and convenient. Cover your whole family.

*Information accurate as of 1/1/24

In-Person Wellness Doctor Visit

Keep Your Doctor. Up to 3 a year reimbursed; see any doctor.


Up to $250 total reimbursed per year, see any provider.

Preventive Care

Labs tests, mammograms, colonoscopies, and more, up to $4,500 per year.

Physical Health & Wellness

Including gym memberships, up to $250 per year.

Low-Cost Prescriptions

You have access anytime to some of the lowest-priced prescription medication locally, by mail order, or international.

Dental Cleanings

Up to $250 total reimbursed per year, including dental sealants, see any provider.

Nutritional Health

Nutritional counseling, meal planning, and weight loss support, up to $500 per year.

Mental Health & Substance Counseling

From psychiatrist to counseling up to $3,000 total reimbursed per year; see any provider.

Lower Sharing Costs

Up to $5,000 to cover the 3rd individual or family Initial Unshareable Amount per year.

Tobacco Cessation

Help quitting if you need to, up to $500 reimbursed.

Preventive Reimbursement Benefit Maximums and Eligible Services

  • Annual Wellness Exam
  • Well Child Exam (including routine immunizations)
  • Gynecological Exam (well woman visit aged 21 and over)
  • Flu, Shingles and Pneumonia Vaccinations
  • Annual Preventive Mammogram (including Breast Ultrasound or MRI following a preventive mammogram)
    • Covered once annually from age 40-80
  • Colorectal Cancer Screening:
    • Age range: 45 – 80 (covered from age 40 if 1st degree relative has positive history of colon cancer)
    • Screening Type: Procto/Sigmoidoscopy every 5 years. Cologuard every 3 years.
    • Colonoscopy is an eligible screening type
  • Bloodwork Screenings:
    • Lipid Panel (Cholesterol and triglycerides)
    • Comprehensive Metabolic Panel (CMP)
    • Complete Blood Count (CBC) with differential test
    • Thyroid Panel TSH (Thyroid Stimulating Hormone) with reflex to T4 if abnormal – Routine Comprehensive Urinalysis (UA)
    • Hemoglobin A1C (HgbA1C)
    • Vitamin D Level

      PSA for men age 50-75 Start at age 40 if 1st degree relative has positive history of prostate cancer

  • Bone Density Screening Post-menopausal women, every 2-3 years
  • Heart Screening: C-Reactive Protein (CRP) & Homocysteine levels for those with strong personal history or 1st degree relative history of heart disease or those of South Asian or Pacific Island origins.
  • Preventive Dental Exam, Cleaning, Sealants, and Fluoride Treatment
  • Mental Health / Substance Abuse evaluation, counseling
  • Gym Membership
  • Fitness Training (on-line or in-person)
  • Nutritional/Meal Planning (on-line or in-person)
  • Weight Loss/Weight Gain Counseling and Support
  • Covers counseling, cost of medication, hypnotherapy, or other cessation program.
  • Up to $5,000 annually on 3rd IUA (documentation must be submitted for review)

What information do I need to submit a reimbursement?

Please provide your physician’s office itemized statement of services showing the service performed, date of service and the cost.

How do I submit my request?

  • On-line Form
  • Text “preventive” to (239) 299-0333 to receive your personal link to a prefilled form.
  • Expenses must be submitted within the calendar year the services were provided and no later than March 1 of the following year.


Call: 800-606-1135

Exploring Your Options? Please feel free to check out our primary care, preventative care, and larger medical expense memberships.