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Research Associates (RA) provide important information that informs future health care for all of us. That's why LifeX RAs must pass a health Assessment Questionnaire as a prerequisite for employment or receiving health insurance benefits. Please review the questionaire so that you can answer the questions for each person you want to have health insurance through your group plan.

Part of becoming a LifeX Research Associate is choosing a health insurance plan. There are five plan groups, each with its own deductible options, plan benefits, copays, and premiums. These are available below for your information. If you choose to apply for employment, you'll select a plan to start the application process. You can download the selected plan brochure at that time. 

01

LifeX Cigna EPO

In-network only (Cigna) plans with four deductible options from $500 to $1,500*.

View LifeX Cigna EPO Plans

02

LifeX MM Classic Plans

Comprehensive coverage for a wide range of medical needs. Traditional major medical plans with in-network (PHCS or Cigna) and out-of-network choices with three deductible options from $1,000 to $3,500*. 

View LifeX MM Classic Plans

03

LifeX MM+ Plans

 Enhanced benefits for those seeking premium, affordable healthcare options. Traditional major medical plans+ with in-network (PHCS or Cigna) and out-of-network choices with three deductible options: $4,900 and $7,250*. 

View LifeX MM+ Plans

04

LifeX HSA Plans (Health Savings Account)

Compatible plans for long-term savings and coverage. These plans work with your HSA account with in-network (PHCS or Cigna) and out-of-network coverage. There are three deductible choices from $3,500 to $8,300 *.

View LifeX HSA Plans

05

LifeX VL (Visit Limit) Plans 

Ideal for individuals seeking cost-effective healthcare with a set number of doctor visits. Visit limited plans, in-network only (PHCS), with a set number of medical visits per year. Four deduction choices from $500 to $1,500*.

View LifeX VL Plans

*Deductible amounts shown are for the employee only. Other deductible amounts will be shown for employee and spouse, employee and children, or employee and family. All employees and those they insure must meet health assessment questions. These plans are underwritten by Benefit Logistics Captive Insurance Co, Inc NAIC # 17633 and not by PHCS  or Cigna Licensee.

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If you have any questions, you may contact Brad Zaba at brad@accesscommunicationsgroupinc.com.

LifeX is a research organization, not an insurance company. Access to group health benefits is provided through employment and facilitated by licensed agents, subject to eligibility and state availability. Employment opportunities, benefit availability, and eligibility requirements vary by state. Brad Zaba is a LifeX Recruiter and licensed health insurance agent for Affordacare Insurance.

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