A. This only applies to one of our tiers. The policy comes with 3 tiers so we can get the most comprehensive coverage at the most affordable price. They are tiered in the following way:
Tier 1 – Provides coverage for doctor office visits, urgent care, labs, tests, diagnostics, annual preventive care, annual OB/GYN preventive care within the PHCS Multi-Plan and/or First Health Network.
Tier 2 – Provides coverage for specialty doctor prescriptions, hospitalization, ambulatory, mental illness, etc. (best coverage and rates if using a PHCS Multi-Plan facility)
Tier 3 – Provides coverage for critical illnesses such as heart attack, cancer, stroke, etc.