PSM (Pop. Science Management)

PSM is a new way to access group health insurance - by filling out ONE health related surveys each month, you become a working owner. This gives you access to group health insurance through your 'employer'  - PSM. This is a great option for 1099 workers or people who are not currently offered health insurance through their employer.  You can always schedule in a Zoom call with me for help (bottom of this page), or reach me from 8AM-8PM CST - visit the contact page for more information.

GigCare (for relatively health people) GigCare is not major medical. There are several different GigCare plans available - EPO, PPO, HSA EPO and HSA PPO. GigCare is sold in Nebraska, but I do not sell in Nebraska. GigCare therefore has 2 branches that I sell - Livelihood (AETNA network) and Intelligent (Cigna network). Both the Aetna and Cigna network give you nationwide access to doctors.  Both of these plans use the Ventegra formulary and have access to Mail Order thru ScriptCO. Specialty medications are not covered, but PSM does have a partner to help with specialty medications (its not a knockout).
Justin's Special Notes for GigCare Livelihood (AETNA network) (TX, FL MI): ✅ Must be healthier than average to qualify ✅ Aetna Signature Administrators (Aetna Provider Lookup Tool) ✅ Six EPO plans available ✅ Deductibles range from $1800 to $8300 ✅ There is also a HDP with an HSA with a $6500 deductible	Justin's Special Notes for GigCare Intelligent (CIGNA network) (TX, FL MI): ✅ Must be healthier than average to qualify ✅ Cigna PPO Network (CIGNA Provider Lookup Tool) ✅ Eight PPO Plans with Deductibles from $1800-$7500 ✅ Two PPO HDHP's with HSA deductible can be either $3500 or $5000 ✅ Eight EPO plans with deductible ranging from $1000 to $7500 ✅ Two EPO HDHP's with HSA deductible can be either $3500 or $5000

MaxGuard (for relatively health people) MaxGuard is not major medical. Choose from $1 million or $5 million coverage maxiumum. MaxGuard uses the Ventegra formulary. "We are population science management, claims are administered by detego health, at PSM we have access to these group health plans. Iron health is owned by Detego. Detego is the TPA – they handle claims. E123 is the name of the vendor, Iron Health is the platform to quote and enroll.
Justin's Special Notes for MaxGuard (First Health network) (TX, FL MI): ✅ MaxGuard are considered to be Limited Medical Plans ✅ Uses the First Health Network (Provider Lookup Tool) Acess code: DETEGO ✅ Aetna Signature Administrators (Aetna Provider Lookup Tool) ✅ Ventegra Formulary (Formulary Lookup Tool) ✅ EPO plans only (no referrals required, No OON except for emergencies) ✅ Choose deductibles ranging from $300 to $2500	Justin's Special Notes for PSM In general: ✅ Primary member must be between 18-64 years of age ✅ Deductbiles reset on January 1st, all plans are 12 month term ✅ Do not submit payment before the 19th to avoid double billing ✅ Enrollment cutoff is the 23rd of each month ✅ Add members with a QLE, remove members any time ✅ Get paid $10 per survey, must do 1 survey per month or lose your health insurance!!! ✅ Milliman is actuarial firm that conducts suitability process for PSM ✅ Working owners are called 'Consumer Data Respondents' and will receive a K-1 tax form at the end of the year ✅ Download the Covered365 app from apple apps store or google play to access ID cards, EOB's, claims, and complete surveys