Advantage
Major Medical
A revolutionary healthcare plan combining ACA major medical insurance, money-saving benefits, and concierge member service.
With premiums 40 to 50% below the national average for small group plans.
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The Advantage Major Medical Plan delivers all these features for one ultra-low monthly premium:
- • Comprehensive major medical insurance
- • $0 Virtual Primary Care
- • $0 Virtual Urgent Care
- • $0 Virtual Mental Health Counseling
- • Discount prescriptions
- • Concierge-level service and advocacy
- • $5 labs and $150 imaging
- • ACA compliant, HSA eligible
- • Exceptional cost management
Bundled Services Providers
• Your virtual / tele-health provider for urgent, primary and mental health care.
• Convenient app for easy access to scheduling services.
• $0 Unlimited visits.
• Available 24/7 in all 50 states.
• Board certified doctors for 5+ years and Licensed counselors.
• Doctor call backs in less than 3 minutes & Mental Health appointments in less than 3 days.
• Your virtual / tele-health provider for urgent, primary and mental health care.
• Over 300 commonly prescribed medications for $5 or less.
• Up to 80% off retail on all other drugs.
• Free shipping for mail orders.
• Choose any local pharmacy.
• Prescription Assistance Program available.
• Diabetic testing supply packages that start at only $8.33 a month.
• $5 labs for diagnostics like blood work and cholesterol panels.
• $150 for imaging services such as MRI, CT scan, X-rays, ultrasound and mammogram.
• Colonoscopies and EGDs for an average of $1275 - $1475 which includes, facility, surgeon, anesthesia and pathology.
• Find the right doctors, hospitals and other providers when you need them at the best price.
• Help resolve insurance claims or billing issues.
• Help explain how to use your Valen Advantage Care Plan to maximize your benefits.
• Medical Bill Reviews for any unexpected bills. Advantage will ensure it was processed correctly and/or try to negotiate a lower rate.
• Cost Estimates for procedures.
Our Services
We have all the services small businesses need to keep employees healthy and costs low.
Virtual Urgent &
Primary Care
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•$0 Unlimited visits for
employee & family members. - • Doctor callback in <3 minutes.
- • Board certified doctors for 5+ years.
- • Available 24/7 in all 50 states.
- • Powered by First Stop Health.
Virtual
Mental Health
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•$0 Unlimited visits for
employee & family members. - •Doctor callback in <3 minutes.
- •Board certified doctors for 5+ years.
- •Available 24/7 in all 50 states.
- •Powered by First Stop Health.
Discount
Prescriptions
- • $0 for 134 medications and $5 for 200 common medications
- •Up to 80% off retail on all other drugs.
- •Free shipping for mail orders.
- •Choose any local pharmacy.
- •Powered by Rx Valet.
Personal Healthcare Navigators
- •Concierge-level member service and advocacy.
- •Identify cost-saving options for care with upfront pricing
- •Resolve billing and claims issues.
- • Minimize or negotiate any balance-due bills.
Discounted Labs &
Imaging
- •$5 per lab for diagnostics like blood work and cholesterol panel.
- •$150 for imaging services such as MRI, CT scan, X-rays, ultrasound, and mammogram.
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•Powered By Affordable Labs & Imaging.
Pre-negotiated Rates for Care
- •We negotiate directly with providers and facilities to get the lowest upfront costs for care.
- •Transparent pricing includes all fees which means lower costs and no surprise bills.
- • Powered By Advantage PHC.
The Health Difference
Our plans help small businesses compete for the best people by delivering better solutions for less money and more value.
Lower Premiums
Our plans are designed to lower healthcare costs by up to 50%
while increasing benefit utilization.
Better Solutions
$0 Virtual Care, discount prescriptions, $5 labs and $150 imaging to keep employees healthy and costs low.
Exceptional Service
Concierge-level member service and advocacy from our Personal Healthcare Navigators.
Active Cost Management
Rigorous cost management discipline reduces claim expenses to avoid or minimize premium increases.
Personal Healthcare Navigators
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Concierge-level Service & Advocacy
Helping our members chart a course to better health and lower costs while taking the administrative burden off employers:
Answer any benefits questions
Find the right doctors, facilities, and care
Identify $0 virtual care options
Coordinate benefits and billing before treatment
Find cost-saving options for care with upfront pricing
Resolve billing and claims issues
Minimize or negotiate any balance due bills
Keeping Premiums Low
Pro-active cost management and concierge-level service are how we deliver best-in-market value while helping to minimize or avoid annual premium increases.
Low Rate
We negotiate directly with best-in-class providers to get the lowest upfront cost for care, prescriptions, and diagnostic labs and imaging.
Reference Based
Pricing
We pay providers based on actual costs and market data plus a fair profit margin, not meaningless network discounts.
Post-billing
Review
Our post-billing team scrutinizes every bill as if it were our own. Then we work directly with providers to negotiate or reduce costs.
Get Started With A Customized Quote For Your Small Business
