Healthcare
by First Responders
for First Responders
Our Freedom Plan was designed exclusively for you. As former first responders, we are passionate about serving law enforcement officers, firefighters, EMTs, 911 dispatchers, paramedics, nurses, doctors, correctional officers, probation officers, and state/federal agents.
Comprehensive healthcare for less
First Health Aetna PPO Network
Large national provider network by First Health Aetna PPO Network
Enroll Anytime
Sign up by the 20th to begin the 1st of the following month
First Responder Focused
We have years of experience helping First Responders get the best health care
No Long Term Contracts
Sign up by the 20th to begin the 1st of the following month
Care Coordination
Our care navigation team can help navigate the complexities of the healthcare system
Health Benefits App & Online Portal
Benefits, ID cards, Rx, telehealth, claims, and more are easily accessed in our app or online health portal
Already a Freedom Plan member?
Head to the member page to search for a provider or to log into your portal.
Freedom Plan
Our Freedom Plan provides you and your family with a unique, cost-effective total healthcare solution. This plan includes 100% coverage for preventive services as outlined by the Affordable Care Act (ACA), doctor office visit copays, pharmacy, lab, imaging, behavioral health, unlimited telemedicine and worldwide emergency, surgery and hospitalization.
Provider network by First Health Aetna PPO Network. To locate a provider visit https://providerlocator.firsthealth.com/LocateProvider/SelectNetworkType Select “First Health” as the network and then select provider type and enter zip code. In left margin, refine search by selecting type of doctor. *If you’re looking for a specific provider and don’t see them, they may still be in-network and available for your care, but you’ll need to call their office to confirm.
Provider network by First Health Aetna PPO Network. To locate a provider visit https://providerlocator.firsthealth.com/LocateProvider/SelectNetworkType Select “First Health” as the network and then select provider type and enter zip code. In left margin, refine search by selecting type of doctor. *If you’re looking for a specific provider and don’t see them, they may still be in-network and available for your care, but you’ll need to call their office to confirm.
- Meets the criteria of an Affordable Care Act (ACA) Part A
- Preventive / Wellness: Covered at 100%
- Primary Doctor & Pediatric-Sick Visits: $25 copay - unlimited visits
- Specialist Visits: $35 copay in-network - 5 visits per year
- Urgent Care: $50 copay in-network - 3 visits per year
- Virtual Urgent Care, 24/7/365 with Licensed, Board- Certified Physicians
- Annual Diagnostic Labs: $50 copay (must be performed in outpatient facility and not a hospital or emergency room)
- Emergency Room: $250 copay - 1 visit per year (additional visits can utilize Health Share)
- Maternity Pre/Post Natal Consultation: $25 copay - 3 visits per year
- Mental Health, Substance Abuse Consultation: $25 copay - 3 visits per year
- Virtual Counseling-Consult a Master-level Therapist/Counselor: $0 copay. Number of counseling sessions will be clinically appropriate based on the issue.
- Breast Cancer Mammography Screening: Plan pays 100%. Screenings every 1-2 years for women over 40 years old.
- Cervical Cancer Screening: Plan pays 100%. Women ages 21 to 29 pap test every 3 years. Women ages 30 to 65 every 3 years if you only have a pap test. Every 5 years if you have both a pap test and an HPV test.
- Colorectal Cancer Screening: Plan pays 100% starting at age 50
- Immunizations Per ACA Guidelines: Plan pays 100%
- Once copay limits have been reached, additional costs may qualify for Health Share after UA has been met. Pre-existing condition limitations may apply.
- Program provides over 1,000 routinely prescribed ACUTE and CHRONIC drugs at no cost. Plus, access to thousands of other medications at the fraction of retail cost.
- Over 70,000 in-network retail pharmacies and mail-order available.
- Access to thousands of drugs that are not on the formulary starting at just $14.95 per fill.
- Men’s Health: Viagra® and Cialis® can be purchased exclusively via mail-order and limited to 72 generic Viagra 50/100mg pills or 48 generic Cialis 5/20mg pills per year.
- Access to our Diabetic Supply, International Pharmacy, and Prescription Assistance Program.
- Once pharmacy limits have been reached, additional costs may qualify for ShareWELL Health Share after UA has been met. Pre-existing condition limitations may apply.
**Provider network by First Health Group Corporation, a wholly owned subsidiary of Aetna Inc., a CVS Health Company.
Our Advocacy team works with members to negotiate and attain fair pricing for medical services. As direct and self-pay patients, our members experience lower medical bills by leveraging our resources.
- No annual caps or lifetime limits
- Holistic and alternative care options
- Quick bill processing
- No annual caps or lifetime limits
- Holistic and alternative care options
- Quick bill processing
- “Know before you go” pricing
- Advocacy support
- One-of-a-kind maternity program
- No annual caps or lifetime limits
- Holistic and alternative care options
- Quick bill processing
- “Know before you go” pricing
- Advocacy support
- One-of-a-kind maternity program
How does the Freedom Plan save you money?
What is an UA?
Similar to a deductible, the Unshared Amount, or UA, is the amount a member will pay per incident before the ShareWELL shares in medical expenses. The lower your UA, the higher your monthly contribution will be. After the UA is met, additional eligible medical expenses are provided for. If you chose an UA of $1,500 and are hospitalized with a heart attack, you pay the UA. That’s it! Members do not pay for the same Sharing Request within 12 months of the last treatment date. Additionally, members will not be responsible for more than two UAs in a rolling 12-month period.
- Member Only
- Member + Spouse
- Member + Child(ren)
- Member + Family
*Additional surcharge for tobacco use
$1,500 IUA
- Under 50
- Over 50
| $530.00 | $602.00 |
| $895.00 | $1018.00 |
| $880.00 | $1011.00 |
| $1218.00 | $1383.00 |
| Under 50 | Over 50 | |
| Member Only | $530.00 | $602.00 |
| M+Spouse | $895.00 | $1018.00 |
| M+Child(ren) | $889.00 | $1011.00 |
| M+Family | $1218.00 | $1383.00 |
$3,000 IUA
- Under 50
- Over 50
| $472.00 | $522.00 |
| $758.00 | $855.00 |
| $776.00 | $865.00 |
| $1047.00 | $1179.00 |
| Under 50 | Over 50 | |
| Member Only | $472.00 | $522.00 |
| M+Spouse | $758.00 | $855.00 |
| M+Child(ren) | $776.00 | $865.00 |
| M+Family | $1047.00 | $1179.00 |
$6,000 IUA
| $459.00 | $504.00 |
| $712.00 | $815.00 |
| $750.00 | $822.00 |
| $984.00 | $1001.00 |
| Under 50 | Over 50 | |
| Member | $459.00 | $504.00 |
| M+Spouse | $712.00 | $815.00 |
| M+Child(ren) | $750.00 | $822.00 |
| M+Family | $984.00 | $1101.00 |
- Under 50
- Over 50
*Plan and premiums published as of September 2024 and are subject to change at any time
HELPS Retirees Act Benefits
The Healthcare Enhancement for Local Public Safety is federal legislation that allows first responders/public safety officers the ability to use up to $3,000 per annum from their qualified government retirement plan or deferred compensation account, on a pre-tax basis, to pay for healthcare premiums. In order for you to get the pre-tax benefit, the money must be paid directly from your pension fund or 457 deferred compensation account directly to the insurance provider. Contact your pension fund or deferred comp plan for application. Call us for more information.
Actual plan comparison of FREEDOM Plan vs. traditional off-exchange PPO Insurance Plans
| Monthly Premium | Freedom Plan | Silver 70 PPO | Bronze 60 PPO |
|---|---|---|---|
| Member Only | $530 | $1121.05 | $942 |
| Member + Spouse | $895 | $2192.61 | $1843.49 |
| Member + Family | $1218 | $3356.83 | $2247.56 |
| UA/Deductible | $1500 UA | $5400 Deductible | $6300 Deductible |
| Generic Rx | $0 | $19 | $0 |
| Max Out-Of-Pocket | UA | $9100 | $910 |
| PCP Office Visit | $25 | $50 | $60 |
| Hospitalization | UA | 30% After Deductible | 40% After Deductible |
| Network | Full PPO Access | Full PPO Access | Full PPO Access |
*This is a basic plan comparison. This is not a formal SBC Document. Reference plan SBC’s for full details on benefits and coverage
How does the Freedom Plan save you money?
Add a Dental and Vision to your Freedom Plan
Vision
- Benefit
- Network
- Eye exam
- Benefit
Need dental coverage?
For dental coverage, we are providing a link to Delta Dental, a national provider with the largest network of dentists nationwide, as a possible solution for you. Enrollment is fast and easy and can be completed online. Click on “shop for a plan by the state you live in”.
*First Responder Health Group is not associated with Delta Dental in any way.
This is link is a courtesy to our customers.