Small-group health
worth quoting.
Ten medical plans across three national PPO networks, administered by Marpai — with supplemental benefits that pay cash straight back to the member. Quote the same group three ways and let the numbers argue for you.
Rates effective October 1, 2026
Three national networks
PHCS/Multiplan, Cigna, and UnitedHealthcare Choice Plus. Same plan design, three price points.
$0 telemedicine
Unlimited visits, no copay, on every medical plan in the lineup.
Cash back to members
Supplemental benefits pay the member directly on hospital stays, surgeries, ER visits, and imaging.
Built for small groups
Deductibles from $1,000 to $8,300, so you can fit the plan to the census instead of the other way around.
The lineup
Ten plans, five shapes
Every medical plan pays 100% of the network allowable minus the member's deductible, copay, coinsurance, and out-of-pocket. What changes is how much risk the group wants to hold.
HSA Plans
PHCS · Cigna · UHC
HSA-qualified high-deductible plans for healthy groups that want the tax deduction.
- 8300 HSA
- 0% coinsurance once the deductible is met. Comes with $25/mo loaded on the HSA card.
- 3500 HSA
- 30% coinsurance, $7,000 max out of pocket. Same tax advantages.
Copay Plans
PHCS · Cigna · UHC
Low deductibles and flat copays — no drug deductible, so the pharmacy counter stays predictable.
- 4500 Copay
- $40 primary / $75 specialist / $90 urgent care. 30% coinsurance.
- 3500 Copay
- Same copays, 20% coinsurance. Built for frequent utilizers and multiple meds.
UHC PPO
UnitedHealthcare Choice Plus
The broadest national network in the lineup, with $0 generic drugs retail and mail order.
- $2,000 Deductible
- $50 office copay, $200 advanced imaging, all after deductible.
- $3,000 HSA
- Same benefit design, HSA-qualified.
Cigna EPO
Cigna
Lowest deductibles in the lineup. $0 preventive and generic Rx, PAP available on brand drugs.
- $1,000 Deductible
- $50 office and $50 urgent care copays after deductible.
- $1,750 HSA
- HSA-qualified — and comes with $25/mo on the HSA card.
Visit Limit Plans
PHCS
The most affordable way in. Full benefits, capped by visit count instead of by dollars.
- $1,000 Deductible
- 2 ICU + 2 non-ICU admissions, 3 surgeries, 3 labs, 3 imaging per year.
- $1,750 HSA
- Same caps, HSA-qualified, $25/mo on the HSA card.
Full rates, summaries of benefits, and formularies live in the portal's Resources section once you're contracted — or ask us for a proposal on a specific census.
The differentiator
Benefits that pay the member, not the plan
Deductible and out-of-pocket assistance is written into the HSA plans and available as a flat per-tier add-on everywhere else. When something goes wrong, cash goes to the member — which is what makes a high deductible survivable.
Plus a $50 annual health screen benefit on every plan.
Round it out
Dental, vision, and life
Dental
Humana PPO with a $1,500 annual max or unlimited with $1,500 ortho — plus an Open Access PPO option where any dentist who bills the TPA is in-network.
Vision
VSP Choice — $10 exam copay, $150 frame allowance, 31,000 preferred providers. Humana Vision also available.
Life
Basic life with AD&D at $20,000 or $200,000.
Getting started
Three steps to your first case
- 1
Contract
Sign up in the XGB portal. You'll enter your agency details and sign your contracting documents — takes about ten minutes.
- 2
Quote
Send us a census and we'll build the proposal, or pull rates and SOBs yourself from the portal's Resources section.
- 3
Submit
Create the prospect in the portal, upload the proposal, census, and enrollment forms, and we take it from there.
Already contracted
Your portal playbook
Submitting a group
From the dashboard, select Create Prospect and enter the group's contact information. It then appears under Pipeline Clients, where you upload:
- Group proposal
- Group census
- Employee enrollment forms (not needed above 15 members)
- Company logo
Recruiting a downline
Use Generate Custom Link on the dashboard to give downline agencies portal access. You'll enter their basic contact information and compensation level, then send them this page to get set up.
Getting paid
Commissions are paid on or around the last day of the month by ACH, clearing the next business day. Member payments for the first of the month pay out the following month.
Submit your agency's payment and W9 details on the W9 form.
Finding documents
Proposals, SOBs, formularies, enrollment forms, and Marpai collateral all live in the Resources section of the portal. They are no longer posted here — the portal copy is always the current version.
Open the portalQuestions? support@pantheros.co