Harbor Group USA Logo
Harbor Group USA Logo

Call Us

+1 516-210-6887

Healthcare professional reviewing medical data

Major Medical Plans

Comprehensive Healthcare Coverage with Our Major Medical Plans

Prioritizing overall well-being is essential. Our Major Medical Plans are crafted to deliver extensive healthcare coverage, ensuring top-notch care without financial stress. These plans offer a wide range of benefits tailored to diverse needs, including comprehensive medical coverage, preventive care services, and flexible options to suit various budgets and requirements.

Comprehensive Coverage

Extensive medical benefits tailored to diverse needs.

Preventive Care

Access to top-notch preventive services to maintain your health.

Flexible Options

Plans designed to suit various budgets and requirements.

For Members Only

GET NOW
A doctor holding a wooden shield, symbolizing protection

Benefits of Major Medical Plans

Comprehensive Coverage

Our plans provide extensive coverage for medical services, including preventive care, chronic condition management, and emergency services, ensuring that all your healthcare needs are met.

Financial Protection

With significant coverage for medical expenses, our plans protect you from the high costs associated with serious illnesses and injuries, providing peace of mind.

Access to Specialists

Our network includes a wide range of specialists, ensuring that you receive expert care for specific health concerns. Whether you need a cardiologist, endocrinologist, or another specialist, our plans provide the necessary coverage.

Flexibility

Our plans are customizable to fit your unique healthcare needs and financial situation, allowing you to choose from various deductibles, co-pays, and additional benefits to tailor the plan to your requirements.

Know about Our Network

Network

Our Major Medical Plans are available in all 50 states, offering a wide network of healthcare providers. Access to top-tier hospitals, specialists, and primary care physicians ensures you receive the best possible care.

Nationwide Coverage

Available in all 50 states.

Extensive Provider Network

Access to top-tier hospitals and specialists.

Primary Care Physicians

Ensure you receive comprehensive and continuous care.

Specialist Access

Easy referrals to specialists for specific health needs.

Quality Care

High standards of care across the network to ensure optimal health outcomes.

Healthcare professional reviewing medical data on a tablet

Know about Cost Options

Cost Options and Coverage Scenarios

Our Major Medical Plans offer programs that are good for your Wallet and better for your Well-being. We provide easy, simple, and professional options to suit your financial needs for maintaining a balanced Major Medical.

Financial planning for healthcare
  • Higher Deductibles, Lower Premiums: Lower monthly payments, higher out-of-pocket costs.
  • Lower Deductibles, Higher Premiums: Minimize out-of-pocket expenses.
  • Balanced Options: Moderate deductibles and premiums.

Customizable Plans

Tailor plans for frequent specialist visits (Ultra 1000), basic coverage needs (Ultra 6000), chronic condition management, and preventive care.

Eligibility Criteria of Major Medical Plan

Open to individuals and families, our Major Medical Plans ensure that comprehensive support for your Major Medical needs is within reach.

Resident of the United States

Our Major Medical Plans are accessible to individuals and families residing in the United States.

Age Eligibility

Tailored to cover individuals of all ages, ensuring coverage throughout various life stages.

Ideal for a Balanced Lifestyle

Perfect for those who prioritize maintaining a balanced and fulfilling Major Medical.

Citizenship

US citizenship or legal residency status is a prerequisite for enrollment in our Major Medical Plans.

A doctor using a tablet for a consultation

Request a Call Back?

How to Apply

At Harbor Group USA, getting the coverage you need is a straightforward process. Follow these simple steps to purchase your Major Medical plan.

Choose the Category on Website

Navigate our user-friendly website to explore the variety of plans we offer, choose the category

Fill out the Form

Complete the quick online form to submit your request for a customised plan quote

Get Expert Guidance

Receive expert advice from our agent and get a personalized quote tailored to your needs

Compare and Choose

Find the ideal fit for your budget with flexible pricing and enrolment options, supported by our agents

Verification Process

After selecting your subscription plan, complete a quick verification process to ensure eligibility

Confirmation of Enrollment

Receive prompt confirmation of your enrollment along with detailed plan information

Detailed Plan Descriptions

Ultra 6000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $6,000, family deductible of $12,000. Individual max out of pocket $9,450, family max out of pocket $18,900.

Coverage:

Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $100.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Ultra 3000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $3,000, family deductible of $6,000. Individual max out of pocket $9,450, family max out of pocket $18,900.

Coverage:

Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $100.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Ultra 1000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $1,000 family deductible of $2,000. Individual max out of pocket $5,000, family max out of pocket $10,000.

Coverage:

Preventive care covered 100%, primary care copay $20, specialist care copay $40, urgent care $40, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $85.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Cigna Plans

Ultra 6000
Ultra 3000
Ultra 1000
Network
Cigna Logo
Cigna Logo
Cigna Logo
Plan Availability
All 50 States
All 50 States
All 50 States
Benefits
Individual Deductible
$6,000
$3,000
$1,000
Family Deductible
$12,000
$6,000
$2,000
Individual Max Out of Pocket
$9,450
$9,450
$5,000
Family Max Out of Pocket
$18,900
$18,900
$10,000
Coinsurance
70%
70%
80%
Preventive Care
Covered 100%
Covered 100%
Covered 100%
Lifetime Maximum
No Maximum
No Maximum
No Maximum
Primary Care Copay
$30
$30
$20
Specialist Care Copay
$60
$60
$40
Urgent Care
$60
$60
$40
Laboratory
Diagnostic Test
$30 copay/Visit
$30 copay/Visit
Deductible then 20%
Radiology Services
Facility (CT, PET, MRI) up to plan allowance

Facility:

30% of plan allowable, deductible does not apply.

Professional Fees:

30% after deductible

Facility:

30% of plan allowable, deductible does not apply.

Professional Fees:

30% after deductible

Deductible then 20%
Facility & Professional Services
Emergency Room - Professional Fee
30% after deductible. Out of network is subject to plan allowable fee.
30% after deductible. Out of network is subject to plan allowable fee.
Deductible then 20%
Emergency Room - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Inpatient Hospital - Physician Fees
Deductible then 30%
Deductible then 30%
Deductible then 20%
Inpatient - Facility
Deductible then 30%
Deductible then 30%
Deductible then 20%
Outpatient - Physician
30% after deductible, subject to plan allowable
30% after deductible, subject to plan allowable
Deductible then 20%
Outpatient Hospital - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Out of Network
Deductible
$12,000/$24,000
$6,000/$12,000
$2,000/$4,000
MOOP
$18,900/$37,900
$18,900/$37,900
$10,000/$20,000
Coinsurance
40%
40%
60%
Reimbursement
Plans Allowable Fee
Plans Allowable Fee
Plans Allowable Fee
Prescription Drug Benefit
Generic
$15
$15
$15
Preferred Brand
$65
$65
$65
Non-Preferred Brand
$100
$100
$85

Detailed Plan Descriptions

Ultra 6000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $6,000, family deductible of $12,000. Individual max out of pocket $9,450, family max out of pocket $18,900.

Coverage:

Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $100.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Ultra 3000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $3,000, family deductible of $6,000. Individual max out of pocket $9,450, family max out of pocket $18,900.

Coverage:

Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $100.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Ultra 1000

Network:

Available in all 50 states.

Deductibles and Out-of-Pocket Costs:

Individual deductible of $1,000 family deductible of $2,000. Individual max out of pocket $5,000, family max out of pocket $10,000.

Coverage:

Preventive care covered 100%, primary care copay $20, specialist care copay $40, urgent care $40, and so on.

Prescription Drug Benefits:

Generic $15, preferred brand $65, non-preferred brand $85.

Additional details:

Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

PHCS Plans

Major Medical Plans
Ultra 6000
Ultra 3000
Ultra 1000
Network
PHCS Logo
PHCS Logo
PHCS Logo
Plan Availability
49 States (Not available in New Jersey)
49 States (Not available in New Jersey)
49 States (Not available in New Jersey)
Benefits
Individual Deductible
$6,000
$3,000
$1,000
Family Deductible
$12,000
$6,000
$2,000
Individual Max Out of Pocket
$9,450
$9,450
$5,000
Family Max Out of Pocket
$18,900
$18,900
$10,000
Coinsurance
70%
70%
80%
Preventive Care
Covered 100%
Covered 100%
Covered 100%
Lifetime Maximum
No Maximum
No Maximum
No Maximum
Primary Care Copay
$30
$30
$20
Specialist Care Copay
$60
$60
$40
Urgent Care
$60
$60
$40
Laboratory
Diagnostic Test
$30 copay/visit
$30 copay/visit
Deductible then 20%
Radiology Services
Facility (CT, PET, MRI) up to plan allowance

Facility:

30% of plan allowable, deductible does not apply

Professional Fees:

30% after deductible

Facility:

30% of plan allowable, deductible does not apply

Professional Fees:

30% after deductible

Deductible then 20%
Facility & Professional Services
Emergency Room - Professional Fee
30% after deductible
30% after deductible
Deductible then 20%
Emergency Room - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Inpatient Hospital - Physician Fees
Deductible then 30%
Deductible then 30%
Deductible then 20%
Inpatient - Facility
30% of plan allowable, deductible does not apply.
30% of plan allowable, deductible does not apply.
Deductible then 20%
Outpatient - Physician
30% after deductible, subject to plan allowable
30% after deductible, subject to plan allowable
Deductible then 20%
Outpatient Hospital - Facility
30% of plan allowable, deductible does not apply
Deductible then 30%
Deductible then 20%
Out of Network
Deductible
$12,000/$24,000
$6,000/$12,000
$2,000/$4,000
MOOP
$18,900/$37,800
$18,900/$37,900
$10,000/$20,000
Coinsurance
40%
40%
60%
Reimbursement
Subject to plan allowable
Subject to plan allowable
Subject to plan allowable
Prescription Drug Benefit
Generic
$15
$15
$15
Preferred Brand
$65
$65
$65
Non-Preferred Brand
$100
$100
$85

Detailed Plan Descriptions

Ultra 6000

  • Network: Available in all 50 states.
  • Deductibles and Out-of-Pocket Costs: Individual deductible of $6,000, family deductible of $12,000. Individual max out of pocket $9,450, family max out of pocket $18,900.
  • Coverage: Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.
  • Prescription Drug Benefits: Generic $15, preferred brand $65, non-preferred brand $100.
  • Additional details: Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Ultra 3000

  • Network: Available in all 50 states.
  • Deductibles and Out-of-Pocket Costs: Individual deductible of $3,000, family deductible of $6,000. Individual max out of pocket $9,450, family max out of pocket $18,900.
  • Coverage: Preventive care covered 100%, primary care copay $30, specialist care copay $60, urgent care $60, and so on.
  • Prescription Drug Benefits: Generic $15, preferred brand $65, non-preferred brand $100.
  • Additional details: Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services

Ultra 1000

  • Network: Available in all 50 states.
  • Deductibles and Out-of-Pocket Costs: Individual deductible of $1,000 family deductible of $2,000. Individual max out of pocket $5,000, family max out of pocket $10,000.
  • Coverage: Preventive care covered 100%, primary care copay $20, specialist care copay $40, urgent care $90, and so on.
  • Prescription Drug Benefits: Generic $15, preferred brand $65, non-preferred brand $85.
  • Additional details: Additional details about laboratory, radiology services, emergency room, inpatient, and outpatient services.

Qualcare Plans

Major Medical Plans
Ultra 6000
Ultra 3000
Ultra 1000
Network
Qualcare Logo
Qualcare Logo
Qualcare Logo
Plan Availability
New Jersey Residents Only
New Jersey Residents Only
New Jersey Residents Only
Benefits
Individual Deductible
$6,000
$3,000
$1,000
Family Deductible
$12,000
$6,000
$2,000
Individual Max Out of Pocket
$9,450
$9,450
$5,000
Family Max Out of Pocket
$18,900
$18,900
$10,000
Coinsurance
70%
70%
80%
Preventive Care
Covered 100%
Covered 100%
Covered 100%
Lifetime Maximum
No Maximum
No Maximum
No Maximum
Primary Care Copay
$30
$30
$20
Specialist Care Copay
$60
$60
$40
Urgent Care
$60
$60
$90
Laboratory
Diagnostic Test
$30 copay/visit
$30 copay/visit
Deductible then 20%
Radiology Services
Facility (CT, PET, MRI) up to plan allowance

Facility:

30% of plan allowable, deductible does not apply

Professional Fees:

30% after deductible

Facility:

30% of plan allowable, deductible does not apply

Professional Fees:

30% after deductible

Deductible then 20%
Facility & Professional Services
Emergency Room - Professional Fee
30% after deductible. Out of network is subject to plan allowable fee.
30% after deductible. Out of network is subject to plan allowable fee.
Deductible then 20%
Emergency Room - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Inpatient Hospital - Physician Fees
Deductible then 30%
Deductible then 30%
Deductible then 20%
Inpatient - Facility
Deductible then 30%
Deductible then 30%
Deductible then 20%
Outpatient - Physician
30% of plan allowable, subject to plan allowable fee
30% of plan allowable, subject to plan allowable fee
Deductible then 20%
Outpatient Hospital - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Out of Network
Deductible
$12,000/$24,000
$6,000/$12,000
$2,000/$4,000
MOOP
$18,900/$37,900
$18,900/$37,900
$10,000/$20,000
Coinsurance
40%
40%
60%
Reimbursement
Subject to plan allowable
Subject to plan allowable
Subject to plan allowable
Prescription Drug Benefit
Generic
$15
$15
$15
Preferred Brand
$65
$65
$65
Non-Preferred Brand
$100
$100
$85

What Our Clients Say

We are proud to have helped so many businesses and individuals find their perfect health plan.

No testimonials yet. Please check back later.