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Real Agent Benefits FAQ - Networks & Plan Structure

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For more information about Real Agent Benefits, or to schedule your consultation, visit www.realagentbenefits.com.

Visit the articles below to answer all of your questions!

  1. Real Agent Benefits FAQ - General Info
  2. Real Agent Benefits FAQ - Major Medical vs Healthshare
  3. Real Agent Benefits FAQ - Networks & Plan Structure
  4. Real Agent Benefits FAQ - Consultations & Enrollment
  5. Real Agent Benefits FAQ - Coverage, Add-ons & Benefits
  6. Real Agent Benefits FAQ - Support & Contact

Networks & Plan Structure

Question: What is the PHCS PPO Network?

Answer: PHCS (Private Healthcare Systems) is one of the country’s largest PPO networks, offering broad nationwide doctor and hospital access.

Question: Which plans use the Cigna PPO Network?

Answer: Some Healthshare plans and select limited medical/major medical options use the Cigna PPO network for nationwide provider access.

Question: What is the BCBS PPO/EPO Network?

Answer: Blue Cross Blue Shield networks offer extensive regional and national access; PPO/EPO options vary by state and carrier.

Question: What’s included under Limited Medical Benefit Plans?

Answer: These plans provide fixed cash benefits for doctor visits, labs, preventive care, and basic medical services—ideal for routine care needs. The plans have Max Payout per service.

Question: What are the benefits of choosing a PPO network plan?

Answer: You get nationwide access, no referrals needed, and more flexibility choosing doctors and hospitals.

Question: What does “Vault Captive Plan” mean?

Answer: It’s a group health benefits structure where members join a shared risk pool (“captive”) for lower premiums and more control over coverage.

Question: What is the “Healthshare Essential Co-pay” plan?

Answer: The Sharewell Healthshare option offering predictable co-pays for doctor visits, labs, and urgent care. Covers preventative care, and there is no cap to yearly qualified claims.

Question: What is the “Healthshare Essential HSA” plan?

Answer: An HSA-compatible Healthshare plan designed with higher cost-sharing but lower monthly contributions. It allows the agent to contribute to an HSA and reduce their taxable income.

Question: Are Healthshare plans available in Washington or Vermont?

Answer: No. Most Healthshare programs are not available in those states.

Question: Are Major Medical plans available in all states?

Answer: Availability varies. ACA plans are nationwide, but PPO network availability depends on the carrier and state.

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