More affordable health care that puts YOU in control

More affordable health care that puts YOU in control

  • Lower your monthly premiums.
  • Find ways to help minimize your out-of-pocket expenses.
  • Empower yourself to decide which doctors to see – no provider network.
  • Get personalized support from myChoice Advisors before and after your doctor visits.
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See how myChoice works!

See how myChoice works!

myChoice is a new, more affordable¹ type of health insurance plan. Watch this video to see how it’s different with great advantages for you.

Finally, smart health care that you control!

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See any doctor you want! There’s no provider network with myChoice.2

Get coverage you can count on for basic preventive care, as well as help with unforeseen medical needs after you meet your deductible.

About balance billing
  • For covered medical services, myChoice will pay 100% of the maximum allowable cost once you meet your deductible.
  • Keep in mind that providers may charge more than the maximum allowable cost. In this case, you will receive a bill for the difference (called “balance billing”), which it will be your responsibility to pay.
  • Balance billing amounts will not apply to your deductible or maximum out-of-pocket.
For preventive services...

myChoice covers basic preventive care services³ without the requirement to meet a deductible. If the provider charges more than the maximum allowable cost, you pay a balance billing invoice for the difference.

For other services...

You are responsible for all charges for health care services before you meet your deductible.

After you meet your deductible...
myChoice reimburses you up to 40% more than what Medicare pays for the same covered services. If the provider charges more than that, you pay a balance billing invoice for the difference.

How myChoice helps you take control

Get covered. Get options. Get control.

Get a Quote
About the control myChoice gives you
  • You can see any doctor you want – myChoice has no provider network. But this freedom also means that providers have no contracted rates with myChoice.
  • It’s your responsibility to research the cost of services and choose providers with the best rate for you. You can consult with the Healthcare Bluebook™ and myChoice Advisors to help in your research for providers with the best rates.
More affordable
More affordable¹
More affordable

than many ACA plans on the market today

Tailored support just for you
Tailored support just for you
Tailored support just for you

Call myChoice Advisors for helpful insights and solutions

Lower out-of-pocket costs
Lower out-of-pocket costs
Lower out-of-pocket costs

when you call first to find lower-cost providers

100% coverage of maximum allowable cost
Reimburses up to 40% more than Medicare pays
Reimburses up to 40% more than Medicare pays

for the same service, once you meet your deductible4

Freedom to choose your doctor
Freedom to choose your doctor
Freedom to choose your doctor

No provider network restrictions²

Better prices and quality
Better prices and quality
Better prices and quality

with the help of the Healthcare Bluebook™ and myChoice Advisors

A different approach to health insurance

Your support system

myChoice
Advisors

Here to assist you
throughout the process

BEFORE you go to the doctor
  • Call a myChoice Advisor to ask questions and get information you can use to decide which provider to visit
  • myChoice Advisors can call providers on your behalf, explain to them how myChoice works, and ask if they will accept the plan and payment of 140% of Medicare for covered services
  • You can also learn about myChoice tools and resources available to you
AFTER you go to the doctor
  • Call a myChoice Advisor with questions and concerns about billing statements from providers
  • Get guidance on negotiating with providers about billing, payments and the cost of services
About myChoice Advisors
  • myChoice Advisors can help point you in the right direction, but you are ultimately in charge of making decisions about your own health care.
  • It’s your responsibility to find out up front what providers charge and engage in any negotiations involving amounts to be paid. myChoice Advisors will be there to assist you, but they may not be able to resolve every issue on your behalf.
Healthcare Bluebook™

Find health care that works with your wallet
The Healthcare Bluebook™ gives you the power to compare prices and quality data for providers in your area. Color-coded summaries make it easy to find where you can get care with limited out-of-pocket exposure. Shop around on any device, 24/7.

myChoice
Member
Portal

Help is just a few clicks away
After you’ve signed up, the myChoice Member Portal offers a range of features and free downloads. Review your benefits, print your ID card, learn how to submit a claim, view claim status and more!

Just follow these steps

Call before you go!5

Talk to a myChoice Advisor before scheduling non-emergency medical visits to ask if the provider will accept the plan and payment of 140% of Medicare reimbursement for covered services. myChoice is compatible with HSA plans and is ACA compliant. Find the right provider with an affordable cost for the health care service you need.

step
1
Call a myChoice Advisor
and consult Healthcare Bluebook™ to find the right provider
step
2
Get medical care
Schedule an appointment with your selected provider
step
3
Pay your provider
Providers may require payment at time of service
step
4
Ask your provider to file the claim
Some may require you to file it yourself
step
5
Call a myChoice Advisor
with any questions you have
You know how to handle your health

You know how to handle your health – and we’re here to help you do it.

Health care that fits your life – and your budget

We know how challenging it can be to find the right health care insurance – whether you’re someone coming off your parents’ insurance, a small business owner, or an independent spirit. No one should be left feeling like they can’t get coverage. myChoice is here to give you a bold new way to take control, feel confident and be prepared for life’s unexpected illnesses or injuries. Now you have a choice.

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More affordable health care that puts you in control!
myChoice

More affordable health care that puts you in control!

Maximum allowable cost

A set amount for a particular medical service. Your myChoice plan will pay up to this amount for covered medical services, once you meet your deductible.

Maximum out-of-pocket

The most you will pay for covered services during the plan year.

Deductible

The amount that you must pay before your myChoice plan begins paying for covered medical services.

Claim

The detailed invoice or statement your provider submits to your myChoice plan, showing services received and costs for those services. If your provider will not file your claim for you, you will need to file the claim yourself, following instructions available on the myChoice member portal.

Provider

Health care professionals and facilities, including doctors, nurses, hospitals and clinics.

Out-of-pocket costs

The amount you must pay for health care services, including deductibles.

myChoice Advisor

A representative available by phone to explain how the myChoice plan works, help you find the right provider, point you to online resources, and answer questions about billing statements and negotiating with providers. These Advisors can also speak to providers about how the plan works.

Healthcare Bluebook™

An online resource giving myChoice members price and quality data for providers in their area.