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BRIGHT LIFE
Health & Wellness
Four Major Medical plan designs (MM, Copay, HSA, VL) plus Humana dental, vision, and life — brochures and plan details for Team Savage agents.
Full summaries of benefits, coverage, and premiums for every Bright Life plan design. Rates effective as of September 1, 2026. Brochures refreshed October 2026 (MM V2.10726, Copay V2.10926, Humana 10.1.26).
MM Plan Comparison
Major Medical plans — $2,500 / $5,300 / $8,100 deductible tiers, 20% INN coinsurance. Includes the GLP-1 coverage rider and preventive care guide.
Copay Plan Comparison
PPO Copay plans — $1,250 / $2,200 / $3,500 deductible tiers with flat copays for office visits and services instead of pure coinsurance.
HSA Plan Comparison
HSA-qualified high-deductible plans — $5,500 / $8,500 tiers, for clients who want to pair coverage with a Health Savings Account.
VL Plan Comparison
Visit-Limited plans on the PHCS PPO network — $1,500 / $2,500 / $3,500 tiers, a lower-premium option with capped visit counts.
Humana Dental, Vision & Life
Ancillary lineup — Silver/Gold PPO & TRP dental with ortho options, Humana Vision, and Basic Life/AD&D.
Verus Rx
Prescription benefits on every MM/Copay/HSA/VL plan are managed by Verus. Look up the formulary or call 1-800-838-0007.
All four designs include $0 copay telemedicine (Our Live Doc) and $0 copay preventive care. INN = in-network, OON = out-of-network.
MM — $2,500 / $5,300 / $8,100
Cigna PPO · Coinsurance-based
Copay — $1,250 / $2,200 / $3,500
Cigna PPO · Flat copays
HSA — $5,500 / $8,500
Cigna PPO · HSA-qualified
VL — $1,500 / $2,500 / $3,500
PHCS PPO · Visit-limited
Find in-network doctors and facilities before you quote. MM, Copay & HSA plans use the Cigna PPO network; VL plans use the PHCS PPO network.
Cigna PPO Provider Directory
Used by MM, Copay, and HSA plans. Search by provider name, specialty, or facility to confirm in-network status before you quote.
Open Cigna Provider Search →PHCS PPO Provider Directory
Used by VL plans. Search MultiPlan's PHCS network to confirm in-network doctors and facilities before you quote.
Open PHCS Provider Search →Monthly premiums by tier. TRP plans only available in AK, GA, LA, SD, TX & WV — PPO plans available everywhere else.
Silver PPO Dental
All states except AK, GA, LA, SD, TX, WV
Gold PPO with Ortho
All states except AK, GA, LA, SD, TX, WV
Silver TRP Dental
Only offered in AK, GA, LA, SD, TX, WV
Gold TRP with Ortho
Only offered in AK, GA, LA, SD, TX, WV
Humana Vision
Available in all states
Basic Life + AD&D
$25k EE / $10k Spouse / $5k Child (6mo–26yrs)
- All in-hospital admissions, imaging (CT/PET/MRI/MRA), home health, skilled nursing, hospice, DME over $500, chemotherapy/radiation, sleep studies, prosthetics/orthotics, therapies (chiropractic, cardiac, PT/OT/ST), and outpatient surgery.
- Failure to obtain pre-certification can result in a 50% benefit reduction or denial of the claim. Emergencies are covered but require authorization within 48 hours.
- Elective surgery is not covered for the first 90 days of coverage.
Cigna PPO (MM/Copay/HSA) · PHCS PPO (VL)
Verus · 1-800-838-0007 · verus-rx.com
Summary only — refer to the full plan document for complete terms