For NARI Members Exploring Coverage
Not Yet Enrolled
This section walks you through eligibility, how the network works, plan options, and next steps — one step at a time.
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Step 01 · Review Your Plan Pricing
Here's a look at three popular plan options. Rates shown are monthly, for employee-only coverage.
$1,000 Classic
Employee only
$789.50/month
PHCS network · Reference-Based Pricing
$7,350 Value
Employee only
$524.81/month
PHCS network · Reference-Based Pricing
$5,000 HSA
Employee only
$550.39/month
PHCS network · Reference-Based Pricing
Rates shown are a common starting point. Your final rate is based on underwriting and may be higher or lower.
Step 02 · Understanding RBP
How Reference-Based Pricing works for you
Your plan is administered by Securus Benefits and combines three things: Reference-Based Pricing, the PHCS Practitioner & Ancillary network, and Cash Pay care coordination. It works differently than a traditional insurance network, and you get the best results when you call Securus before your visit.
1. See Any Provider
You can see any provider. The PHCS network is included to give you a broad set of preferred providers. When a provider is out of network or doesn't accept PHCS, Reference-Based Pricing sets a predictable payment amount.
2. Call Before Your Visit (Recommended)
Call Securus Care Coordination at 877-420-0785 before your visit. They'll help you find quality, fairly priced providers, secure a confirmed Cash Pay or bundled price when available, and tell you exactly what to do at your visit. With a confirmed Cash Pay quote, you pay with your plan-funded Cash Card and the risk of a balance bill is essentially removed.
3. If You Go On Your Own
Show your ID card at the visit. Your claim is processed normally and priced as a percentage of Medicare rates, with PHCS applied when it's available. Securus handles your Explanation of Payment and initial appeals, and the plan includes protection against large balance bills.
Step 03 · Request a Quote
Request your quote
Once you understand eligibility and plan options, request your quote to move forward.
What happens after you submit
You'll receive an email with two next steps:
- 1As the plan administrator, add your company details and — if applicable — employee names and email addresses.
- 2Complete your own personal health questionnaire for enrollment.
The quote form is the only way to receive a quote. All businesses must complete it, including those who book a call. Submitting the form is not an application and doesn't commit you to anything.