Home – An Affordable Short-Term Health Plan2023-08-30T18:14:30+00:00

Health 360

An Affordable Short-Term Health Plan

Health 360

An Affordable Short-Term Health Plan

Bridge the Healthcare Coverage Gap

Flexible Health Insurance Solution

With the cost of healthcare today, going without coverage is scary. Protect yourself during times of transition with a short-term health plan and protect your pocketbook from unexpected medical bills. Our flexible Health 360 plans provide budget-friendly coverage to help you through life’s transitions.

Healthcare graphic designed like inside a watch

Bridge the Healthcare Coverage Gap

Flexible Health Insurance Solution

With the cost of healthcare today, going without coverage is scary. Protect yourself during times of transition with a short-term health plan and protect your pocketbook from unexpected medical bills. Our flexible Health 360 plans provide budget-friendly coverage to help you through life’s transitions.

Digital family standing with Dad holding an umbrella, son wearing a backpack and Mom holding a baby

Why Health 360?

Affordable Short-Term Coverage

Health 360 is a great alternative short-term health plan to secure temporary insurance with affordable deductibles and premiums. For individuals who need health insurance right away, this plan provides coverage for doctor’s visits, inpatient & outpatient hospitalization expenses, financial assistance for surgical services and more.

  • Large Network of Doctors & Specialists

  • Flexible Deductible & Coinsurance Options

  • Two Plans to Choose From

  • No Waiting Period for Injuries

Why Health 360?

Affordable Short-Term Coverage

Health 360 is a great alternative short-term health plan to secure temporary insurance with affordable deductibles and premiums. For individuals who need health insurance right away, this plan provides coverage for doctor’s visits, inpatient & outpatient hospitalization expenses, financial assistance for surgical services and more.

Large Network of Doctors & Specialists

Flexible Deductible & Coinsurance Options

Next Day Coverage

Two Plans to Choose From

No Waiting Period for Injuries

Pre-Existing Waiver Rider Option

The Value In Health 360

Members receive the coverage they need during times of transition with many health plan benefits.

The Value In Health 360

Members receive the coverage they need during times of transition with many health plan benefits.

Doctor Office Consultations for Various Visit Types

General Practitioner/Urgent Care, Specialist & Wellness visit coverage with minimal copay

Inpatient/Outpatient/Surgical Coverage

Eligible expenses covered in each setting including ICU & emergency room treatment

Deductible & Coinsurance Options Available

Deductible ranging from $500 to $10,000 and coinsurance limit & period maximum options

Length of Coverage Choice

Terms are available for up to 36 months of coverage depending on state regulations

Value-Added Benefits

Access to NCE Association to save on
out-of-pocket medical expenses

PHCS Network

Access to a network of 900,000 healthcare providers including doctors and facilities

Doctor Office Consultations for Various Visit Types

General Practitioner/Urgent Care, Specialist & Wellness visit coverage with minimal copay

Inpatient/Outpatient/Surgical Coverage

Eligible expenses covered in each setting including ICU & emergency room treatment

Deductible & Coinsurance Options Available

Deductible ranging from $500 to $10,000 and coinsurance limit & period maximum options

Length of Coverage Choice

Terms are available for up to 36 months of coverage depending on state regulations

Value-Added Benefits

Access to NCE Association to save on
out-of-pocket medical expenses

PHCS Network

Access to a network of 900,000 healthcare providers including doctors and facilities

Great Health Solutions For Everyone

There’s a plan for everyone. Find the one that’s right for you and your family.

Digital image of hands and hearts blue and white

Health 360

  • Deductible Options: $500, $1,000, $2,000, $2,500, $5,000, $7,500, $10,000

  • Available for Up to 36 Months of Coverage Depending on State

  • PHCS Practitioner & Ancillary Network

  • 2 Plan Levels to Choose From

Compare Plans

Exclusions & Limitations

Great Health Solutions For Everyone

There’s a plan for everyone. Find the one that’s right for you and your family.

Digital image of hands and heart in blue and white

Health 360

  • Deductible Options: $500, $1,000, $2,000, $2,500, $5,000, $7,500, $10,000

  • Available for Up to 36 Months of Coverage Depending on State

  • PHCS Practitioner & Ancillary Network

  • 2 Plan Levels to Choose From

Compare Plans

Exclusions & Limitations

Locate A Provider

Network Search

  1. Click on Find a Provider Find a doctor or facility page
  2. Click on the Select Network button and choose PHCS
  3. Click on Practitioner & Ancillary
  4. Type in the search criteria and location
Search Providers
3D map of United States in shades of blue

Locate A Provider

Network Search

3D map of United States in shades of blue
  1. Click on Find a Provider Find a doctor or facility page
  2. Click on the Select Network button and choose PHCS
  3. Click on Practitioner & Ancillary
  4. Type in the search criteria and location
Search Providers

NCE Membership Benefits

NCE Association

National Congress of Employers (NCE) is a national association formed in 1996 that supports the needs of micro-businesses. NCE members enjoy exclusive access to a number of discounts on products and services from key service providers. We continuously work with companies to ensure members are getting the best offers. NCE members regularly enjoy discounts for Health, Fitness and Diet products and services. Members can also access the association group insured products.

NCE Disclaimer: NCE Association benefits are not affiliated with American Financial Security Life Insurance Company or Standard Life And Casualty Insurance Company. The benefits listed are not insurance and do not provide coverage, they only provide discounts and services. Benefit discounts and services vary by state. Please refer to the NCE GapAfford Plus Member Guide for complete details.

NCE Savings

Travel Discounts2020-06-10T23:12:28+00:00

Save up to 15% on your next hotel stay. Choose your date, book and save! Save up to 30% on Tours, Cruises, Airlines, and Car Rentals.

Hearing Savings Program2020-06-10T23:11:30+00:00

Receive customized care and, if needed, purchase brand-name hearing aids at substantial savings. Save 20% to 50% off Manufacturer’s Suggested Retail Pricing

Glasses Discount2020-06-10T23:10:33+00:00

We believe self-expression begins with your face. We work hard to help you find frames that fit your life. Whether you’re looking for a designer pair, the latest Ray-Bans or even a trending cat-eye, we’ve got it!

Speech Therapy2020-06-10T23:10:00+00:00

Video-conferencing technology is used to provide live, one-on-one, highly individualized and interactive speech therapy services worldwide.

Imaging Savings Program2020-06-10T23:09:24+00:00

Our network providers can save members an average of 60% off of the usual cost for advanced radiology testing, such as Magnetic Resonance Imaging (MRI) and Computerized Tomography (CT) scans.

Nutrition and Weight Loss Counseling2020-06-10T23:08:18+00:00

SDO Nutrition helps you achieve personal health goals, maintain a healthy lifestyle, and manage chronic health conditions through food and diet education.

Pet Rx2020-10-27T20:19:27+00:00

About 50% of the medications prescribed by your vet are actually the same medications prescribed to people, only in different dosages. You can fill these prescriptions at your neighborhood pharmacy. We have even made arrangements with a US FDA-approved specialty, mail-order pharmacy to fill those special medications and compounds not available at your local pharmacy.

Brand-Name Mail Order2020-06-10T23:07:21+00:00

Save up to 80% on your brand-name medications through our international mail order program. Ordering your discount brand-name medications is convenient, easy, and secure.

Vitamins and Supplements2020-06-10T23:06:51+00:00

Members can save up to 75% off retail pricing on a huge selection of natural products including vitamins, supplements, and more.

Prescription Discount Benefits2020-06-10T23:04:58+00:00

Save an average of 55% on generic drugs and 15% on brand name drugs at over 80% of pharmacies in the country.

  •  All FDA approved drugs are discounted with the card.
  • Even lifestyle drugs can be obtained at greatly reduced rates.
  • The pharmacy network is national in scope.
  • Cards can be used for all family members. There are no limit on the number of prescriptions filled.
  • No forms to fill out. You do not have to activate the card.

NCE Membership Benefits

NCE Association

National Congress of Employers (NCE) is a national association formed in 1996 that supports the needs of micro-businesses. NCE members enjoy exclusive access to a number of discounts on products and services from key service providers. We continuously work with companies to ensure members are getting the best offers. NCE members regularly enjoy discounts for Health, Fitness and Diet products and services. Members can also access the association group insured products.

NCE Savings

Travel Discounts2020-06-10T23:12:28+00:00

Save up to 15% on your next hotel stay. Choose your date, book and save! Save up to 30% on Tours, Cruises, Airlines, and Car Rentals.

Hearing Savings Program2020-06-10T23:11:30+00:00

Receive customized care and, if needed, purchase brand-name hearing aids at substantial savings. Save 20% to 50% off Manufacturer’s Suggested Retail Pricing

Glasses Discount2020-06-10T23:10:33+00:00

We believe self-expression begins with your face. We work hard to help you find frames that fit your life. Whether you’re looking for a designer pair, the latest Ray-Bans or even a trending cat-eye, we’ve got it!

Speech Therapy2020-06-10T23:10:00+00:00

Video-conferencing technology is used to provide live, one-on-one, highly individualized and interactive speech therapy services worldwide.

Imaging Savings Program2020-06-10T23:09:24+00:00

Our network providers can save members an average of 60% off of the usual cost for advanced radiology testing, such as Magnetic Resonance Imaging (MRI) and Computerized Tomography (CT) scans.

Nutrition and Weight Loss Counseling2020-06-10T23:08:18+00:00

SDO Nutrition helps you achieve personal health goals, maintain a healthy lifestyle, and manage chronic health conditions through food and diet education.

Pet Rx2020-10-27T20:19:27+00:00

About 50% of the medications prescribed by your vet are actually the same medications prescribed to people, only in different dosages. You can fill these prescriptions at your neighborhood pharmacy. We have even made arrangements with a US FDA-approved specialty, mail-order pharmacy to fill those special medications and compounds not available at your local pharmacy.

Brand-Name Mail Order2020-06-10T23:07:21+00:00

Save up to 80% on your brand-name medications through our international mail order program. Ordering your discount brand-name medications is convenient, easy, and secure.

Vitamins and Supplements2020-06-10T23:06:51+00:00

Members can save up to 75% off retail pricing on a huge selection of natural products including vitamins, supplements, and more.

Prescription Discount Benefits2020-06-10T23:04:58+00:00

Save an average of 55% on generic drugs and 15% on brand name drugs at over 80% of pharmacies in the country.

  •  All FDA approved drugs are discounted with the card.
  • Even lifestyle drugs can be obtained at greatly reduced rates.
  • The pharmacy network is national in scope.
  • Cards can be used for all family members. There are no limit on the number of prescriptions filled.
  • No forms to fill out. You do not have to activate the card.

Disclaimer: Not affiliated with American Financial Security Life Insurance Company. Availability may vary by state. The membership benefits are not insurance and do not provide coverage they only provide discounts and services.

Enhanced Value Available in Every Plan

Members receive additional benefits, enhancing each plan by providing access to solutions for other health needs.

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Chiropractic

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Podiatry

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Diabetic Supplies

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Vitamins/Supplements

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Wellness

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Terms, Conditions and Disclosures

Enhanced Value Available in Every Plan

Members receive additional benefits, enhancing each plan by providing access to solutions for other health needs.

LEARN MORE
LEARN MORE
ICE Tracer Logo
LEARN MORE
LetsGetChecked Logo
LEARN MORE
LEARN MORE

Chiropractic

LEARN MORE

Podiatry

LEARN MORE

Diabetic Supplies

LEARN MORE

Vitamins & Supplements

LEARN MORE

Wellness

LEARN MORE

Terms, Conditions and Disclosures

Frequently Asked Questions

Benefits are not payable for Pre-Existing Conditions within the 36 months immediately preceding the Covered Person’s Effective Date.

All Inpatient Hospitalizations and procedures done at an Outpatient Surgical Facility must be pre-authorized. Pre-Authorization does not guarantee payment of benefits. Benefits are subject to all of the terms, conditions, provisions and exclusions of the plan.

Members can begin using the benefits on their membership’s effective date, subject to the terms and conditions of the plan. There is a 5-day waiting period for sickness, and a 30-day waiting period for cancer. There is no waiting period for injuries.

Members simply go to www.multiplan.com and click on: “Find a Provider” Members should use an in-network provider to maximize their savings. If members use an out-of-network provider, they may charge an additional fee. Note: Members should always reference PHCS Practitioner & Ancillary Plan Network when making an appointment or speaking with a doctor.

Yes, Members will continue in their current plan if they move to another state. Note: The plan is not available outside the U.S. and cannot be used while traveling or relocating outside the U.S.

Members may only make changes to their program on their Annual Enrollment Date or if they experience a Qualified Event. A Qualified Event is one of the following:
• Change in legal marital status – marriage, divorce, annulment, death of a spouse or legal separation
• Change in dependent children – birth, adoption, legal guardianship or death of a child
• Loss of spousal coverage – loss of job, etc.
• Dependent children “age out” – child’s age exceeds the age limitations of the membership (edited) 

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