Frequently Asked Questions

Do I have to pay a deductible or co-insurance?
No. Our healthcare plans have no deductibles to meet or co-insurance to pay.
Which Healthcare Network will I have access to?
When you become a member of MOXIE Corporate Benefits, you’ll have access to the nations' largest PPO networks depending on the plan you choose. The networks include PHCS, Multiplan, and the First Health Network.
Which doctors can I use?
Because we only offer PPO healthcare plans, you’re free to use any doctor you’d like, and you’re not required to get a referral or prior authorization first.
What about prescription drugs?
Members will receive a pharmacy co-pay card which allows you to shop locally for your immediate need medication for as little as a $10.00 co-payment. Members also have access to our online mail order prescription drug benefit program for even greater savings.
Is Virtual Healthcare included?
Technology and Connectivity has created many new care options in the healthcare industry, including virtual health portals, remote consultations, and electronic personal health records. MOXIE Corporate Benefits provides zero co-pay on-demand, 24/7 phone, video and mobile phone application access to U.S. Board Certified doctors, who can diagnose your medical problem and prescribe medication.
What about Urgent Care and Emergency Room Services?
Yes, there both included in your plan. Our urgent care centers offer a convenient option when your regular physician is on vacation or unable to offer a timely appointment. Or, when illness strikes outside of regular office hours, urgent care offers an alternative to waiting for hours in a hospital Emergency Room. However, as always, if you ever experience any life-threatening medical condition you should dial 911 or visit your nearest emergency room.
What if I’m Hospitalized or need surgery?
As you may have already guessed, Hospital and Surgical benefit are included in your plans for both inpatient and outpatient hospital services.
What if I suffer a very serious Critical or Chronic illness or injury and need money to help maintain my quality of life?

Although, our Hospital Indemnity Plans (HIP) include benefits for inpatient and outpatient hospital services including surgeries, we strongly encourage members to add or enroll in our HIP Smart Option Umbrella product to help defray the cost associated with a major medical event. Our HIP Smart Option Umbrella plans provide members with more than 26 living benefits that qualify you for a lump-sum benefit payment of up to $1,000,000 dollars in the event of a defined and qualified major medical condition. This includes 12 critical illness benefits, 6 defined chronic illness benefits, cognitive impairment, assisted living, long-term care, and terminal illness benefits.

The money can be used to help the covered member live with financial dignity, pay for medical treatment, household expenses or to help the covered member to be able to afford taking needed time away from work to spend valuable time with family. However, because we place absolutely no restrictions on how you use the money, you can spend it however you’d like. It’s entirely your decision.

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