HEALTH PLANS

Here at LV Health plans, we specialize in the under 65 health insurance market.  It is our goal and promise to get you the best possible health plan for you and / or your family, with the strongest benefits, at the lowest cost possible.   There is never any charge for our services.  We are paid directly by the insurance companies.

PPO Health Plan Options

With the ever rising cost of the health  plans in the marketplace, more and more consumers are looking for options outside of the marketplace. In 2025, the average Obamacare plan costs $469 per month for a 40-year-old individual, $937 for a couple age 40, $1,214 for a 40-year-old couple with one child, and $1,491 for a 40-year-old couple with two children. * And it looks like it is not going to get better anytime soon. As is echoed “the deductibles are going up, and the health benefits are going down.” 

* Mar 20, 2025 (Policygenius) — ACA premiums are projected to increase by an average of 6% for next year’s health insurance plans.

BENEFITS OF PPO HEALTH PLANS

  • You can choose the insurance company, the plan and the options that meet your needs.
  • You can renew or change health insurance year-round since most PPO carriers have year-round enrollment.
  • Your plan is not tied to your job, so you can change jobs without losing your coverage.
  • Fully customizable (you choose how much you want to pay for your monthly premium, deductible, etc.) can be up to ½ the cost of an Obamacare plan.
  • More flexibility: PPO plans usually offer more flexibility in terms of coverage and eligibility.
  • Lower premiums: PPO plans can often have lower premiums than ACA (marketplace) plans, especially for healthy people.
  • Nationwide PPO (excellent coverage for doctors, office visits, hospital stays, surgeries, and prescription drugs).
  • Lower deductible (many even have zero deductible) and out of pocket costs.

**Top Rated PPO Health Plans**

United has one of the most trusted and well known names in the health insurance industry.  The company also earned the top spot on Fortune’s World’s Most Admired Companies list for the 11th straight year in a row. It also earned an “All-Star” designation.

UHC Health Protector Guard Plan

United’s Health Protector Guard Plans have become a very popular choice the past few years. Clients looking for an alternative option to the marketplace can take advantage of a well respected and trustworthy company that has been in business since 1977. The plans start about $110 for individual and $350 for a family plan. Here are some of the highlights of the plan:

  • First dollar coverage with no deductible to meet before benefits take effect
  • 2 million a year annual benefit and a 5 million lifetime benefit
  • This plan uses the best national network called United Healthcare Choice Plus PPO network
  • The average PPO network discount (on top of the benefit the plan pays) is about 56% with United Healthcare
  • United is the nation’s largest A-rated health insurance company
  • Doctors office visits, specialists, urgent care coverage
  • Hospital in patient coverage including ER and ICU 
  • Outpatient services such as X-rays, labs, diagnostic testing and imaging and more 
  • Chiropractic, physical, occupational, and speech therapy available on most plans
  • Teladoc included as well as a solid prescription plan

MANHATTAN LIFE HEALTH

When people think of Manhattan Life, they often think of the popular Life and Annuity division of ML located in New York. However, ML’s Health division has been in business since 1850.

MANHATTAN LIFE ELITE PLUS LEVEL PLAN

Man Life’s Elite Plus Health Plan has been a top seller for the last 3 years or so.  This plan is medically underwritten, so the insurance carrier’s cost savings is passed onto you in the form of a lower monthly premium and a zero annual deductible.  Plans start as low as $103.92 for individual coverage and $321.64 for family plans.  Here are some of the highlights of the plan:

  • ZERO annual outpatient and inpatient deductible  
  • $5,000,000 in lifetime limit benefits  
  • Doctor’s office/urgent care visits are approximately ZERO… (plan pays $200 for family doctor —10 visits per calendar year (including chiropractic), pays $300 for urgent care center
  • Best national PPO network called First Health PPO – choose your own doctors, clinics and hospitals – no penalty for using an out-of-network provider   
  • Plan pays for outpatient tests like blood tests, MRI’s, immunizations, x-rays, etc. – (You receive the PPO discount plus plan pays $50 to $600 per test)
  • Annual wellness check-up doctor visits are covered – plan pays $200 for office visit, $50 for lab work, and additional $300 for mammogram, $300 for pap smear or PSA level test, and $600 toward a colonoscopy
  • Plan pays $300 toward emergency room visits and pays separately for scans,  x-rays, lab work, surgeries, etc.
  • Cancer radiation, chemotherapy, immunotherapy, ground or air ambulance, physical, occupational and speech therapy and benefits are included at no additional cost  
  • Excellent hospital benefits – this plan pays $9,000  for your 1st day of hospital confinement, $6,000 per day for each additional day in your hospital room with NO deductible, PLUS the plan pays 3 times the Medicare rate for surgical costs    
  • Teladoc feature is included at no additional cost that allows you to call a toll free number and speak to a real doctor who can phone in a prescription to your local pharmacy – without ever going into a doctor’s office.  
  • Prescription drugs covered-  you receive a discount at the pharmacy counter of 30% to 60%, then the plan also pays you back $75 each time you have a prescription filled  
  • Guaranteed renewable to age 65 – you can never be cancelled or dropped regardless of health or high claims or singled out for rate increases

There are individual, family, and small business plans to fit just about any budget.  Any of the plans can be enrolled in at any time during the year.  If you have any questions or need a quote for health insurance, please visit the contact page where you find contact information to call, text message, or email us. Thank you!

CONTACT US

Have any questions? We are always open to talk about your healthcare and how we can assist you in any way.