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Group health benefits
for business owners

One flat price for everyone, wherever you live. Full medical plans from $269 a month, and your age never changes what you pay.

For me and my familyFor my team
✓ No sign-up to see rates✓ Same price in every state✓ Cigna and PHCS PPO networks
See your rate
Real prices, not estimates. No sign-up, no email.
MVP$269/mo
Bronze 4.4 HSA$579/mo
Silver 3.2$679/mo
Gold 2.0$749/mo
Platinum 1.2$799/mo

Optional. Enter your current monthly premium and we will compare it against the cheapest full medical plan, so you are comparing like with like.

Find my planCompare all plans
Benefit Airship prices by household, not by age, sex, or state. These are the published rates, the same for a 26 year old and a 60 year old.
2M+
providers in network
60,000+
pharmacies nationwide
$0
generic medications
No referral
needed to see a specialist

Check if your doctor is in-network.

Full medical plans use the Cigna PPO network, with PHCS as a backup network if your provider is not in Cigna.

Cigna PPO

Primary network

Search by provider name or ZIP. This is the network your plan uses first.

Cigna PPOAsk your provider to join Cigna

PHCS / MultiPlan

Backup network

Used when a provider is not in Cigna. Choose the PHCS Practitioner and Ancillary directory.

PHCS / MultiPlanNominate your provider to PHCS

Benefit Airship's own materials name the network inconsistently in places, so confirm your provider before you enroll. If your doctor is not listed, they can apply to join.

How it works.

Benefit Airship runs these as group plans, so the price does not move with your age, your sex, or where you live. A 60 year old in Texas pays what a 26 year old in Ohio pays.

Powered byCigna PPOPHCS PPOMarpai conciergeOpyn virtual carePhoenixPBM
01

Answer a few questions

Tell us who needs coverage and how you actually use care. We estimate what a full year costs on each plan, not just the monthly premium.

~2 min
02

Pick your plan

Five full medical plans plus optional dental and vision, accident, and hospital cover. You see the real monthly price before you commit to anything.

9 options
03

Enroll by the 15th

Finish on Benefit Airship's own checkout. Enroll by the 15th and coverage starts the 1st of next month, with a digital card and a concierge to help you use it.

Starts the 1st
Who actually delivers your care
Cigna
Primary PPO network
PHCS / MultiPlan
Backup PPO network
Marpai
Concierge, claims, and ID cards
Opyn Health
24/7 virtual care
PhoenixPBM
Pharmacy · 60,000+ locations
AME Trust Benefits
Accident and hospital cover
Cigna
Primary PPO network
PHCS / MultiPlan
Backup PPO network
Marpai
Concierge, claims, and ID cards
Opyn Health
24/7 virtual care
PhoenixPBM
Pharmacy · 60,000+ locations
AME Trust Benefits
Accident and hospital cover

Plans that we offer.

Five full medical plans and four optional add-ons, all at one flat nationwide price. Prices shown are for an individual; households cost more.

Full medical plans

MVPfrom $269/mo

Lowest premium, major-event protection only

  • Deductible$5,000
  • Out-of-pocket max$9,000
  • Primary care$50 copay
Bronze 4.4 HSAfrom $579/mo

HSA eligible, but routine care sits under the deductible

  • Deductible$6,000
  • Out-of-pocket max$7,000
  • Primary care30% after deductible
Silver 3.2from $679/mo

Balanced premium with full medical and Rx

  • Deductible$3,000
  • Out-of-pocket max$6,000
  • Primary care$35 copay
Gold 2.0from $749/mo

Strong everyday benefits and lower office copays

  • Deductible$1,000
  • Out-of-pocket max$3,500
  • Primary care$15 copay
Platinum 1.2from $799/mo

Maximum protection and predictable exposure

  • Deductible$0
  • Out-of-pocket max$1,250
  • Primary care$25 copay

Optional add-ons

Vision & Dental$79/mo

Routine eye care, glasses, and dental from cleanings through orthodontics

Pairs with a medical plan
BASE (BAS Essential)$59.95/mo

Unlimited virtual care, powered by Amaze

BAS Accident$49.95/mo

Cash benefits for covered accidental injuries

BAS Hospital$129.95/mo

Hospital indemnity that helps cover a large deductible

Compare all plans

Common questions.

Anyone in the United States. Individuals, families, and employees whose company sets up a group. There are no medical exams and no health questionnaire at sign-up, and the price is the same regardless of your age.
Enroll by the 15th of the month and coverage begins on the 1st of the following month. Enroll after the 15th and it begins the 1st of the month after that. So enrolling on the 10th of October starts you on November 1st; enrolling on the 20th starts you on December 1st.
Yes, and it is the most important thing to understand before you enroll. The full medical plans and MVP run for 12 months. If you cancel before the term is up, Benefit Airship applies a 24 month waiting period before you can enroll again. The add-ons are different: dental and vision, accident, and hospital can be cancelled any time before the 15th.
The full medical plans use the Cigna PPO network first, with PHCS as a backup if your provider is not in Cigna. You do not need a referral to see a specialist. Check both directories for your own doctor before you enroll — and note that Benefit Airship names the network inconsistently across their own pages, so confirm it with them if it matters to you.
BASE is a virtual-care plan at $59.95 a month. It covers unlimited video visits with primary care, urgent care, specialists, and mental health at no cost per visit. It is not major medical: it does not cover in-person visits, hospital stays, or surgery, and its prescription benefit is a discount rather than coverage. It suits someone who mainly needs advice and prescriptions, not someone who needs hospital protection.
On the full medical plans, generics are $0 and brand-name drugs are a fixed copay. You can use your card at more than 60,000 pharmacies including CVS, Rite Aid, and Walgreens, or set up mail order. One exception worth knowing: MVP does not include real drug coverage, only a discount card, and it does not cover specialty medication at all.
Ready when you are.
Answer a few questions and we will estimate what a full year costs you on each plan, not just the monthly premium. Setting up coverage for a team works a little differently.
Find my planSet up a team planTalk to a rep