Private PPO Plans
Skip the maze. We match you to private PPO plans that protect your wallet and your doctor relationships. Concierge guidance, transparent pricing, zero pressure.
Why Clients Choose Private PPO with Prestige Health
Choice without chaos: Broad PPO networks with multi-state access (varies by plan).
Keep your providers: We check your doctors first—before you apply.
Designed for real life: Predictable premiums for many healthy applicants, telehealth, urgent care, and strong hospital benefits.
Straight talk, no sales BS: We explain tradeoffs in plain English so you can decide confidently.
Annual tune-ups: Renewal reviews and rate strategy every year—no set-and-forget.
How It Works (Fast + Human)
1) 10-minute intake
Tell us who needs coverage, your ZIP, key doctors/facilities, and any meds.
2) Curated options
We map your providers and prescriptions across available PPO networks and flag gaps, costs, and gotchas.
3) Confident enrollment
White-glove onboarding, ID cards, and renewal strategy. We’re your first call when you’ve got questions.
Private PPO vs. ACA Marketplace
Networks
Private PPO: Often broad PPO; multi-state access (varies).
ACA Marketplace: Varies; many HMO/EPO options.
Eligibility
Private PPO: Health/age criteria may apply (underwriting).
ACA Marketplace: Guaranteed issue (no health underwriting).
Pricing
Private PPO: Risk-based; competitive for many healthy applicants.
ACA Marketplace: Income-based subsidies may drop premiums significantly.
Portability
Private PPO: Often portable across states (plan-specific).
ACA Marketplace: State-specific; moving triggers a Special Enrollment Period.
Tax Credits
Private PPO: Not eligible for APTC/CSR.
ACA Marketplace: Eligible if income-qualified.
We’ll show both paths if you might qualify for subsidies. You’ll see the math, not magic.
Networks & Access
Through our private PPO partners, options may include: Blue Cross Blue Shield of Nebraska (BlueCard® PPO), PHCS PPO, HealthSmart PPO, and First Health PPO—availability varies by state and eligibility.
What we do for you:
Verify your preferred doctors/facilities for in-network status.
Map your prescriptions to each plan’s formulary to avoid surprises.
Explain out-of-network rules and balance-billing in plain English.
Blue Cross Blue Shield and BlueCard are registered trademarks of the Blue Cross Blue Shield Association. Prestige Health is independent and not affiliated with BCBSA.
Real Clients. Real Peace of Mind.
“Prestige made the options simple and helped us keep our doctors across state lines. The claims coaching was clutch.”
— Small Business Owner, Scottsdale, AZ
“Zero pressure, clear numbers, fast enrollment. Super simple process”
— Individual Enrollee, Dallas, TX
“Levi matched our team to PPO plans and coordinated ICHRA. Clean rollout. Happy staff.”
— Practice Manager, Phoenix, AZ
FAQs
Is this ACA-compliant?
Private PPO plans are typically not ACA Marketplace plans and may use health underwriting. If you qualify for income-based subsidies or need guaranteed-issue coverage, ACA may be better—we’ll compare both.
Can I keep my doctor?
Often, yes—if they’re in network. We check providers up front and show exact matches and alternatives.
What about prescriptions?
We run your meds against each plan’s formulary and flag tiers, prior auth, and mail-order options to control costs.
How fast can I start?
Typically the first of the following month but some carriers are often within days, depending on underwriting and effective dates.
We set expectations before you apply.
Do you handle groups or ICHRA?
Yes. We support ICHRA and small-group solutions and can coordinate Section 125 POP when eligible.
Which states do you serve?
AL, AZ, AR, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT,
NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI
Ready for Options?
Call or Text: (817) 505-7604 • Mon–Fri 9–6 (AZ)
Email: info@prestigehealth.us
You’ll get a clean side-by-side with networks, estimated costs, and our recommendation. No pressure. Just clarity.
Compliance Notes
Not an ACA Marketplace plan; health underwriting may apply.
Benefits, networks, premiums, and eligibility vary by state and plan.
Always review plan documents for limitations and exclusions.
Trademarks belong to their respective owners. Prestige Health is an independent agency.
HIPAA-aware process; separate authorization provided if needed.