You won’t find a plan like this anywhere else.
You take living a healthy lifestyle seriously. You keep active. You’re mindful of the key health indicators that help determine the quality of the life you live. You value non-traditional services that help you remain at optimum health. Now there is a health care plan designed especially for you. Read on to see which of the two plan options fits you best.
2026 Plan Benefits
1. LIVING FIT HSA
A health savings account (HSA) is a tax-advantaged medical savings account available to those enrolled in a qualified high-deductible health plan (HDHP). The funds are contributed to an HSA on a pre-tax basis and can be spent on qualified services tax-free.
- In-network deductible $3,000 / $6,000
- Out of pocket limit $7,500 / $15,000 (but not to exceed $7,500 per person)
- Coinsurance 80%/20%
- Office visits 20%
- Specialty office visits 20%
- Virtual office visits 20%
- Emergency room visits 20%
- Urgent Care 20%
- Chiropractic 20% (limit 24 visits per year)
- Pharmacy Maintenance medication for certain chronic conditions are covered prior to the deductible. Copayments will apply. All other prescriptions are subject to deductible first.
Preferred generic $10
Non-preferred generic $20
Preferred brand $60
Non-preferred brand $120 - Specialty Pharmacy 20% up to $200 for preferred specialty / 50% up to $500 for non-preferred specialty
2. LIVING FIT PPO
A Preferred Provider Organization (PPO) is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network.
- In-network deductible $3,000 / $4,500/ $6,000
- Out of pocket limit $8,700 / $13,075 / $17,400
- Coinsurance 80%/20%
- Office visits $30
- Specialty office visits $45
- Virtual office visits $30
- ER $100 copay after deductible
- Urgent Care $50
- Chiropractic $30 (limit 24 visits per year)
- Pharmacy $10 generic / $20 non-preferred generic / 50% preferred brand (max $100) / 50% non-preferred brand copay ($300 max)
- Specialty Pharmacy 20% up to $200 for preferred specialty / 50% up to $500 for non-preferred specialty
Holistic Service Benefits
- Acupuncture Services $30 copay up to 20 visits. Deductible does not apply.*
- Medical Massage Therapy† $30 copay up to 20 visits. Deductible does not apply.* \
Both plans feature these exclusive benefits
- Fertility benefits of $30,000 lifetime.
- Doula services and milk shipping available. Limited to $3,000 per pregnancy.
- HealthCheck360 Earn rewards for being active with the included HealthCheck360 program.
- Health Risk Assessment Assess your overall level of health by completing a confidential online health assessment for yourself and your spouse (if enrolled).
To learn more and to schedule a no-obligation face-to-face meeting, contact Tina Voss, director of health and life operations, at 877-906-9924, ext. 479, or email at tvoss@mdaifg.com.
*Copayments and other participant’s costs for acupuncture and massage therapy services provided in this benefit will not apply to your out-of-pocket limits.
†Medical Massage services must be provided in a medically supervised setting.