top of page
hba-logo-horiz_1MED (1).png
d35affba-aca5-435d-982c-0171cc8c032c.png

Under 65 Plan Options

Below you will find Medical Plan designs to provide comprehensive and very affordable health plans. 

It is important to understand the HBA plan limits that differ from “traditional” health benefit plans.  Review all Summary Benefits for each plan to determine what plan works best for you and/or your family.

imageslgggvvc.png

774-737-7663

UNDER 65 FIRST RESPONDERS

First Responders put their lives on the line every day to protect and serve our communities. In recognition of their dedication, we’re proud to introduce a suite of five new PPO healthcare plans designed specifically to meet the unique needs of police officers, firefighters, EMTs, and other emergency personnel. These plans offer the flexibility, comprehensive coverage, and wellness support essential for those who face unpredictable schedules, physical demands, and high-stress environments.

Each plan is built around the core principles of accessibility, affordability, and resilience—providing First Responders and their families with peace of mind, both on and off duty. With expansive provider networks, no referrals required for specialists, and tailored benefits that support physical and mental health, these PPO options ensure that care is always within reach.

Explore our five new PPO plans created to honor your service and support your well-being every step of the way:

rates 2025 updated 10 14 252025-10-14_11-43-30.jpg
basic plan link box Picture8.png
plus plan link box Picture9.png
bronze plan link box Picture11.png
ultra plan link box picture Picture10.png
silver plan link box Picture12.png

BASIC

HEALTH BENEFIT SUMMARY

PLUS

HEALTH BENEFIT SUMMARY

BRONZE

HEALTH BENEFIT SUMMARY

ULTRA

HEALTH BENEFIT SUMMARY

SILVER

HEALTH BENEFIT SUMMARY

kindpng_2010709.png

FORMULARY FOR ALL PLANS

hba-logo-horiz_1MED (1).png
LOGO-2.png

The First Responders VEBA, in consultation with the Health Benefit Alliance, has assembled a menu of health plan design options supported by best-in-class service partners to deliver valuable benefits to our Members and their covered dependents.

icons of companies hba   2025-10-14_11-12-15.jpg

Health Plan Service Partners

Reflect Health – As the health plan administrator, Reflect Health provides efficient claims processing in accordance with plan provisions and professional Member service support.


HBAeHealthsm – 24/7/365 virtual access to qualified Primary Care and Behavioral Health medical professionals as close as a phone, tablet, or computer…all for a $0 copay.


PHCS for Value Driven Health Plans – A national Preferred Provider (PPO) network consisting of over 990,000 practitioners and 78,000 ancillary providers, PHCS for Value Driven Health Plans is the largest independent, NCQA (National Committee for Quality Assurance) accredited network in the U.S. 
You can search In-Network providers online at https://portal.hstechnology.com/PHCS. 

The PHCS Network delivers the optimal balance between the network access consumers want and the medical cost savings the health plan expects. The network includes practitioners and select ancillary services providers such as labs, home health and clinics.


HBACareNavsm – A specially trained team of Care Guides to help Members navigate a complex healthcare system to optimize plan benefits, avoid claim complications, and minimize out-of-pocket expenses. 


AvantaRx – The plans’ Pharmacy Benefit Manager supporting easy, affordable access to a wide range of the most commonly used prescription medications. Members may fill up to a 30-day supply of covered prescription medications at over 65,000 participating retail pharmacies, or use mail order service for up to a 90-day supply of covered maintenance drugs for home delivery.


HBAVisionsm – Each health plan option includes access to exclusive savings on high-quality eye care and designer eyewear, powered by Alliance member XP Health.

Hospital Care
The plans use an open network for hospital and facility care. Claims for services performed at a hospital and other outpatient facilities are reimbursed using Reference Based Pricing (RBP) at a fair and reasonable level above what Medicare would pay for the same service.
Under the Plan’s Patient Liability Protection (PLP) feature, when a Member adheres to the Care Navigation support provided, that Member will not be responsible for a balance bill for charges related to those covered services.

hba-logo-horiz_1MED (1).png

Plans and service providers arranged and managed by the Health Benefit Alliance, LLC

Enrollment Form

Have Questions or Want to Enroll? 

imageslgggvvc.png

774-737-7663

CALL IF YOU HAVE ANY QUESTIONS OR WOULD LIKE TO ENROLL!

John Cone

          Direct Phone Line:  1-713-446-3501

     Email:  John@MyMedPlans.com

Lisa Andrews

          Direct Phone Line:  1-832-723-9488

     Email:  Lisa@MyMedPlans.com

bottom of page