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IRON HEALTH

PSM Plan Suite

Limited medical (Maxguard), Reference-Based Pricing (RBP), PPO, and Aetna Network EPO/PPO major medical plans — full plan lineup, benefit details, and enrollment links for Team Savage agents.

Maxguard RBP Plans PPO Plans Aetna Plans Network Lookup

PSM Maxguard — Limited Medical

First Health Network. $0 copay wellness, 24/7 telemedicine and mental health included on every tier. In-network office, specialty and urgent care visits: $50 copay after deductible, 10 visits per member per plan year. Specialty medications are not covered. No annual or lifetime maximum.

Plan	Network	Deductible (Ind / Fam)	Links
PSM Maxguard 300	First Health	$300 / $600	Info Enroll
PSM Maxguard 600	First Health	$600 / $1,200	Info Enroll
PSM Maxguard 900	First Health	$900 / $1,800	Info Enroll
PSM Maxguard 1500	First Health	$1,500 / $3,000	Info Enroll
PSM Maxguard 2000	First Health	$2,000 / $4,000	Info Enroll
PSM Maxguard 2500	First Health	$2,500 / $5,000	Info Enroll

PSM RBP — Major Medical (Reference-Based Pricing)

PHCS Practitioner & Ancillary Network access. Telemedicine $0 copay; specialty medications not covered. HDHP tiers are HSA-qualified — no office/UC copay line (coinsurance applies after deductible).

Plan	Deductible (Ind / Fam)	Out-of-Pocket Max (Ind / Fam)	Office / Spec Copay	UC Copay / ER	Links
PSM RBP $500 Titanium	$500 / $1,000	$7,350 / $14,700	$25 / $40	$60 / Deduct+CoIns	Info Enroll
PSM RBP $1000 Diamond	$1,000 / $2,000	$7,350 / $14,700	$25 / $40	$60 / Deduct+CoIns	Info Enroll
PSM RBP $1500 Platinum	$1,500 / $3,000	$7,350 / $14,700	$25 / $40	$60 / Deduct+CoIns	Info Enroll
PSM RBP $2500 Gold	$2,500 / $5,000	$7,350 / $14,700	$25 / $40	$60 / Deduct+CoIns	Info Enroll
PSM RBP $3500 Silver	$3,500 / $7,000	$7,350 / $14,700	$25 / $45	$60 / Deduct+CoIns	Info Enroll
PSM RBP $5000 Bronze	$5,000 / $10,000	$7,350 / $14,700	$25 / $45	$60 / Deduct+CoIns	Info Enroll
PSM RBP $7350 Copper	$7,350 / $14,700	$7,350 / $14,700	$25 / $45	$60 / Deduct+CoIns	Info Enroll
PSM RBP $2500 HDHP (HSA)	$2,500 / $5,000	$6,550 / $13,100	—	—	Info Enroll
PSM RBP $3500 HDHP (HSA)	$3,500 / $7,000	$6,550 / $13,100	—	—	Info Enroll
PSM RBP $5000 HDHP (HSA)	$5,000 / $10,000	$6,550 / $13,100	—	—	Info Enroll

PSM PPO — Major Medical

Same deductible tier is available on three networks — First Health, HealthSmart, or PHCS — at matching rates and benefits (Platinum $1,500 tier has no PHCS option). Telemedicine $0 copay; specialty medications not covered.

Plan	Network	In-Net Deductible	Non-Net Deductible	In-Net OOP Max	Non-Net OOP Max	Office / Spec	UC / ER	Links
PSM PPO $500 Titanium	First Health	$500 / $1,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $500 Titanium	HealthSmart	$500 / $1,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $500 Titanium	PHCS	$500 / $1,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $1000 Diamond	First Health	$1,000 / $2,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $1000 Diamond	HealthSmart	$1,000 / $2,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $1000 Diamond	PHCS	$1,000 / $2,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $1500 Platinum	First Health	$1,500 / $3,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $1500 Platinum	HealthSmart	$1,500 / $3,000	$2,000 / $4,000	$7,350 / $14,700	$10,000 / $20,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $2500 Gold	First Health	$2,500 / $5,000	$5,000 / $10,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $2500 Gold	HealthSmart	$2,500 / $5,000	$5,000 / $10,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $2500 Gold	PHCS	$2,500 / $5,000	$5,000 / $10,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $3500 Silver	First Health	$3,500 / $7,000	$7,000 / $14,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $3500 Silver	HealthSmart	$3,500 / $7,000	$7,000 / $14,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $3500 Silver	PHCS	$3,500 / $7,000	$7,000 / $14,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $5000 Bronze	First Health	$5,000 / $10,000	$10,000 / $20,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $5000 Bronze	HealthSmart	$5,000 / $10,000	$10,000 / $20,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $5000 Bronze	PHCS	$5,000 / $10,000	$10,000 / $20,000	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $7350 Copper	First Health	$7,350 / $14,700	$14,700 / $29,400	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $7350 Copper	HealthSmart	$7,350 / $14,700	$14,700 / $29,400	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $7350 Copper	PHCS	$7,350 / $14,700	$14,700 / $29,400	$7,350 / $14,700	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM PPO $2500 HDHP (HSA)	First Health	$2,500 / $5,000	$5,000 / $10,000	$6,550 / $13,100	$20,000 / $40,000	20% after ded	20% after ded	Info Enroll
PSM PPO $2500 HDHP (HSA)	HealthSmart	$2,500 / $5,000	$5,000 / $10,000	$6,550 / $13,100	$20,000 / $40,000	20% after ded	20% after ded	Info Enroll
PSM PPO $2500 HDHP (HSA)	PHCS	$2,500 / $5,000	$5,000 / $10,000	$6,550 / $13,100	$20,000 / $40,000	20% after ded	20% after ded	Info Enroll

PSM Livelihood — Aetna Network EPO & PPO

Aetna Network access. Telemedicine $0 copay; specialty medications not covered. EPO plans have no out-of-network benefit; PPO plans include a non-network deductible/OOP max.

Plan	Type	In-Net Deductible	Non-Net Deductible	In-Net OOP Max	Non-Net OOP Max	Office / Spec	UC / ER	Links
PSM Livelihood 1800 EPO	EPO	$1,800 / $3,600	N/A	$9,200 / $18,400	N/A	$40 / $70	$85 / 25% after ded	Info Enroll
PSM Livelihood 2600 EPO	EPO	$2,600 / $5,200	N/A	$10,000 / $20,000	N/A	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 3350 EPO	EPO	$3,350 / $6,700	N/A	$10,000 / $20,000	N/A	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 3500 EPO HSA	EPO (HSA)	$3,500 / $7,000	N/A	$8,300 / $16,600	N/A	Deduct+CoIns	Deduct+CoIns	Info Enroll
PSM Livelihood 3750 EPO	EPO	$6,500 / $13,000^*	N/A	$9,200 / $18,400	N/A	25% after ded	25% after ded	Info Enroll
PSM Livelihood 4300 EPO	EPO	$4,300 / $8,600	N/A	$10,000 / $20,000	N/A	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 4500 EPO	EPO	$4,500 / $9,000	N/A	$9,200 / $18,400	N/A	$40 / $70	$85 / D+C	Info Enroll
PSM Livelihood 5000 HSA EPO	EPO (HSA)	$5,000 / $10,000	N/A	$8,300 / $16,600	N/A	Deduct+CoIns	Deduct+CoIns	Info Enroll
PSM Livelihood 6000 EPO	EPO	$6,000 / $12,000	N/A	$10,000 / $20,000	N/A	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 6500 HSA EPO	EPO (HSA)	$6,500 / $13,000	N/A	$9,200 / $18,400	N/A	25% after ded	25% after ded	Info Enroll
PSM Livelihood 6800 EPO	EPO	$6,800 / $13,600	N/A	$9,200 / $18,400	N/A	$40 / $70	$85 / D+C	Info Enroll
PSM Livelihood 7500 EPO	EPO	$7,500 / $15,000	N/A	$10,000 / $20,000	N/A	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 8300 EPO	EPO	$8,300 / $16,600	N/A	$9,200 / $18,400	N/A	$40 / $70	$85 / D+C	Info Enroll
PSM Livelihood 1800 PPO	PPO	$1,800 / $3,600	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 2600 PPO	PPO	$2,600 / $5,200	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 3350 PPO	PPO	$3,350 / $6,700	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 3500 HSA PPO	PPO (HSA)	$3,500 / $7,000	—	$8,300 / $16,600	$16,600 / $33,200	Deduct+CoIns	Deduct+CoIns	Info Enroll
PSM Livelihood 4300 PPO	PPO	$4,300 / $8,600	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 5000 HSA PPO	PPO (HSA)	$5,000 / $10,000	—	$8,300 / $16,600	$16,600 / $33,200	Deduct+CoIns	Deduct+CoIns	Info Enroll
PSM Livelihood 6000 PPO	PPO	$6,000 / $12,000	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll
PSM Livelihood 7500 PPO	PPO	$7,500 / $15,000	—	$10,000 / $20,000	$20,000 / $40,000	$25 / $40	$60 / D+C	Info Enroll

^* Listed exactly as published on the source site — the 3750 EPO plan's detail page currently shows the same deductible/benefit figures as the 6500 HSA EPO plan above it. Confirm the correct numbers with the Info link before quoting.

Network Lookup

Confirm in-network doctors and facilities before you quote. Maxguard uses First Health; RBP uses PHCS Practitioner & Ancillary; PPO plans use First Health, HealthSmart, or PHCS depending on the plan chosen; Livelihood plans use Aetna.

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First Health Provider Directory

Used by Maxguard plans and the First Health PPO tiers. Access code: DETEGO. Read and acknowledge the disclaimer, select Continue, then search by provider type and zip code.

Open First Health Provider Search →

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HealthSmart Provider Directory

Used by the HealthSmart PPO tiers. Acknowledge the disclaimer, choose "HealthSmart Preferred," then enter search criteria and zip code.

Open HealthSmart Provider Search →

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PHCS Provider Directory

Used by RBP plans and the PHCS PPO tiers. Click "Find a Provider," acknowledge the disclaimer, select the green "Select Network" button, choose "PHCS," then choose "Practitioner and Ancillary" and enter search criteria.

Open PHCS Provider Search →

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Aetna Provider Directory

Used by all PSM Livelihood EPO and PPO plans. Enter an address, city, or zip code to search.

Open Aetna Provider Search →

Source: Pulled directly from the 1enrollment.com PSM product catalog (agent site id 878493) — plan benefit details only. Premiums are not published on the product pages; each plan quotes live by age/state through its Info or Enroll link. Maxguard plans are MEC-style limited medical (Ventegra); RBP, PPO, and Livelihood plans are major medical, third-party administered by Medalist.

Product Family
PSM — Maxguard, RBP, PPO & Aetna Livelihood

Networks
First Health · HealthSmart · PHCS · Aetna (by plan)

Coverage
Summary only — refer to the full plan document and Summary of Benefits for complete terms