DVP Essentials 7500

PHCS / Multiplan Network

DVP Essentials 7500 is a limited benefit plan built on the PHCS/Multiplan network that offers low-cost copays for everyday doctor visits alongside hospital and surgical coverage after a $7,500 deductible. It is best suited for generally healthy individuals who primarily want coverage for routine checkups, a few doctor visits per year, and a safety net for unexpected hospitalizations, and who are comfortable paying a higher share of costs for major medical events. Keep in mind this is not traditional major medical insurance and has strict annual limits on the number of covered visits and services.

Enroll Now

Monthly premiums

member_only: $364.99/mo
child: $554.00/mo
spouse: $604.00/mo
family: $814.00/mo

The DVP Essentials 7500 plan gives you access to the large PHCS/Multiplan national network of doctors and facilities in all 50 states. For everyday care, you pay a flat $50 copay for primary care visits and $75 for specialist or urgent care visits — but these are capped at a combined 2 doctor visits (primary care and specialist together) and 1 urgent care visit per plan year. Telemedicine is available at no cost and is unlimited, making it a practical option for minor illnesses or quick consultations without using your annual visit allowance. Preventive care such as annual wellness visits and a list of preventive generic prescriptions are covered at no cost to you. For more serious medical needs, the plan kicks in after you meet a $7,500 individual deductible ($15,000 for a family). Once you reach that deductible, the plan covers 50% of allowed costs for inpatient hospitalization (up to 5 days per year), one inpatient surgery and one outpatient surgery per year (combined limit), one emergency room visit per year, and outpatient diagnostic services like lab work and imaging (up to annual visit limits). Your out-of-pocket maximum is $9,200 for an individual and $18,400 for a family. Non-generic prescriptions beyond the preventive list are not covered — non-preventive generics are available through a discount program only, and brand-name or specialty drugs are not covered. This plan does not cover maternity or pregnancy services, rehabilitation therapies, durable medical equipment, dental, vision, skilled nursing facilities, chemotherapy, radiation, dialysis, or organ transplants, among other exclusions. Out-of-network providers are not covered at all, so it is essential to confirm that your doctors participate in the PHCS network before receiving care. Prior authorization is required for most hospital and surgical services, and failure to obtain it can significantly reduce your benefits. The DVP Essentials 7500 is best suited for budget-conscious, generally healthy adults who want a lower monthly premium and are primarily looking for coverage against catastrophic events along with a handful of in-network doctor visits per year. If you have ongoing health conditions, take brand-name medications, or anticipate needing frequent specialist care or hospital services, you should carefully weigh whether this plan's annual visit limits and high deductible meet your needs before enrolling.

Plan details

Deductible (Individual): $7,500
Deductible (Family): $15,000
Coinsurance (In-Network): 50%
Primary Care Copay: $50
Specialist Copay: $75
Urgent Care Copay: $75

Benefits

Deductible
$7,500 / $15,000
In-Network
Copay
$50 / $75 / $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 (not covered)
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 7500

Monthly premiums

Plan details

Benefits

Plan documents

Available in

Ready to see your rate?