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.

 

For Members Only

Benefits of Major Medical Plans

The Harbor Group's 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.

The Harbor Group's extensive provider access across all 50 states
cost options and coverage scenarios for The Harbor Group's Major Medical Plans
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.

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The Harbor Group's Major Medical Plans, providing customer support and inquiries

    How to Apply

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

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

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

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

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

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

    Receive prompt confirmation of your enrollment along with detailed plan information

    Detailed Plan Descriptions

    Ultra 6000

    Ultra 3000

    Ultra 1000

    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.

    Cigna Plans

    Major Medical Plans Ultra 6000 Ultra 3000 Ultra 1000
    Network Logo Logo 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's) 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

    Ultra 3000

    Ultra 1000

    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.

    PHCS Plans

    Major Medical Plans Ultra 6000 Ultra 3000 Ultra 1000
    Network Logo Logo 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's) 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/$37,900 $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

    Detailed Plan Descriptions

    Ultra 6000

    Ultra 3000

    Ultra 1000

    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.
    • 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 about laboratory, radiology services, emergency room, inpatient, and outpatient services.

    Qualcare Plans

    Major Medical Plans Ultra 6000 Ultra 3000 Ultra 1000
    Network Logo Logo 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's) 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 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

    FAQs

    The main differences are the deductibles, out-of-pocket costs, and premiums. Ultra 1000 offers the most comprehensive coverage with lower deductibles, while Ultra 6000 has higher deductibles but lower premiums. Ultra 3000 provides a balanced option.

    Yes, all our plans cover preventive care services at 100%. This includes routine check-ups, vaccinations, and screenings, ensuring early detection and management of potential health issues.

    Yes, our plans offer customizable options to fit your specific healthcare needs and financial situation. You can choose from various levels of deductibles, co-pays, and additional benefits to tailor the plan to your requirements.

    Our plans cover a wide range of chronic conditions, including diabetes, hypertension, heart disease, and more. We provide comprehensive management, including specialist visits, medication, and regular monitoring.

    Yes, our plans are designed to cover not just individuals but also families, providing comprehensive health benefits for your loved ones. Family coverage includes spouse and children, ensuring that all family members are protected.

    Our plans provide access to a wide network of healthcare providers, including top-tier hospitals, specialists, and primary care physicians across all 50 states. You can easily find and choose providers within the network for quality care.

    Enrolling in a plan is simple. You can contact our team for guidance, visit our website for more information, or schedule a consultation to discuss the best options for you and your family. We are here to assist you every step of the way.

    All our plans cover emergency services, including ambulance transportation, emergency room visits, and urgent care. This ensures that you receive the necessary care without worrying about the cost during emergencies.

    Let's get started with Major Medical plans

    What Clients Say

    "The Harbor Group's Bundled Plans are a lifesaver. The seamless coverage for medical, accident, and critical illnesses gave my family peace of mind. It's more than a health plan, it's tailored well-being."

    Mark Moore

    “The Rx Plans keep my family’s health and budget in sync. Affordable prescription coverage and flexibility between generic and brand-name meds make healthcare stress-free.”

    Sarah Miller

    “Critical Plans from The Harbor Group became our financial backbone during a health crisis. Simple claims, flexible payouts—this plan delivers when it matters most.”

    David Tylor

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