DVP Essentials 5000

PHCS / Multiplan Network

The DVP Essentials 5000 is a limited benefit health plan that uses the wide-reaching PHCS/Multiplan network and is best suited for relatively healthy individuals who want low-cost coverage for everyday doctor visits and basic hospital care. It offers flat copays for primary care, specialist, and urgent care visits, with a $5,000 individual deductible applying before major services like hospitalizations or ER visits are covered. This plan is not traditional major medical insurance and carries strict annual limits on services, so it works best as a budget-friendly option for those who rarely need extensive care.

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Monthly premiums

member_only: $424.99/mo
child: $614.00/mo
spouse: $664.00/mo
family: $874.00/mo

The DVP Essentials 5000 plan provides access to the national PHCS/Multiplan PPO network, meaning you can see in-network doctors across all 50 states without a referral. For routine care, the plan covers up to 2 combined primary care and specialist visits per year at flat copays — $25 for primary care and $50 for specialists — along with 1 urgent care visit at a $75 copay. Telemedicine is included at no cost and is unlimited, giving you an easy, everyday option for minor health concerns. Preventive care is included at no charge, and a select list of preventive generic medications is available at $0 copay as well. For more serious medical needs, the plan requires you to first meet a $5,000 individual deductible (or $10,000 for a family), after which the plan covers 50% of costs. Hospital coverage is limited to 5 inpatient days per year, 1 inpatient surgery and 1 outpatient surgery per year (combined), and 1 emergency room visit per year. Lab work and diagnostic imaging (non-hospital based) are covered at the deductible plus 50% coinsurance, with annual visit limits. Most hospital and surgical services require prior authorization — failing to get it could result in reduced benefits. On the prescription side, non-preventive generic drugs are not directly covered by the plan but may be accessed through a discount program. Preferred and non-preferred brand drugs are not covered at all. Notably, this plan does not cover pregnancy or maternity services, rehabilitation therapies, durable medical equipment, vision, dental, or a number of other services listed in the exclusions — so it is important to review the full benefits document carefully. This plan is best suited for generally healthy adults who want affordable access to routine doctor visits, telemedicine, and basic hospital protection in the event of an unexpected medical event. Because annual benefit limits are strict and cost-sharing after the deductible is significant, people with ongoing or chronic health conditions, those planning a family, or anyone who anticipates needing frequent specialist care should carefully weigh whether this plan's caps and limitations meet their needs before enrolling.

Plan details

Deductible (Individual): $5,000
Deductible (Family): $10,000
Coinsurance (In-Network): 50%
Primary Care Copay: $25
Specialist Copay: $50
Urgent Care Copay: $75

Benefits

Deductible
$5,000 / $10,000
In-Network
Copay
$25 / $50 / $75
PCP / Specialist / Urgent Care
Coinsurance
50% after deductible
Doctor Visits
2 combined/yr
PCP + Specialist + MH
Rx Coverage
$0 preventive
Non-preventive & brand: Discount plan only
Hospitalization
5 days/yr
Surgeries
1 inpatient / 1 outpatient per yr
ER
1 visit/yr
Copay included in hospitalization
Urgent Care
1 visit/yr

DVP Essentials 5000

Monthly premiums

Plan details

Benefits

Plan documents

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