Make room for the care you need. Explore the SHC Everyday FlexCare Healthcare Benefit Plan for primary care, virtual visits, prescriptions, and eligible medical-sharing needs.
| Unlimited doctor visits | Prescriptions & labs | ER, hospital, surgery & maternity |
Primary care visits
24/7 Virtual urgent care & behavioral health
Starting prescription copay
for max. out of pocket cost
FlexCare combines access to participating outpatient providers with defined copays and network discounts. Use the benefit summary below to see how each service works.
Outpatient Services | Description |
| Preventive & wellness care | Covered at 100% - no copay |
| Primary care | $25 copay - no deductible - unlimited use |
| Urgent care | $50 copay - no deductible - unlimited use |
| Specialist visits, labs & common radiology | Network discount - no deductible - unlimited use |
| Prescription drugs | Tier 1: $15 | Tier 2: $30 | Tier 3: $50 | Tier 4: $75 |
| Unlimited telehealth with behavioral health | $0 copay. Provided through Recuro Health. |
Medical sharing is a non-insurance community arrangement for eligible expenses. It follows separate membership guidelines from your outpatient benefits.
The medical-sharing component allows eligible expenses to be shared under the membership guidelines. These services as 100% shareable after the applicable Member Responsible Amount (MRA) is met:
Emergency room visits & hospitalization
Inpatient & outpatient surgery
Catastrophic illness & advanced imaging
Physical rehabilitation & eligible maternity care
There is no provider-network requirement for medical sharing needs.
The MRA is the amount you pay per eligible sharing request before community sharing begins.
Lower MRA options have higher monthly costs. An MRA can apply to the first two sharing needs per plan in a 12-month period. This is not a cap on all healthcare spending: non-shareable expenses and outpatient copays are separate.
Connect with a medical professional for everyday concerns such as colds, flu, allergies, and rashes. Virtual urgent care is available around the clock, with no appointment, copay, or deductible.
Virtual counseling with a therapist or licensed counselor is also included; appointments are required.
Access covered medications through the PuroRx formulary and participating pharmacies. Copays start at $15, with $0 copays for covered preventive medications.
Check your medication, dosage, and pharmacy before enrollment. Not every prescription is included.
Benefits include one annual wellness exam per year, plus the age- and eligibility-specific preventive services listed in the plan.
Review the covered services list for screenings, immunizations, and other preventive care. Services not listed are not covered.
Everyday outpatient care uses participating providers in the Claritev / MultiPlan PHCS network. Confirm the specific provider, location, and service before scheduling. Emergency room, hospital, surgery, and advanced imaging needs are handled under the separate medical-sharing component.
Whether you are exploring healthcare benefits for yourself, your family, or a small business team, start with a conversation about the care you use and the costs you want to understand.
Check your physicians, prescriptions, and expected medical needs.
Compare the monthly cost, MRA choice, and availability.
Review exclusions, waiting periods, and sharing rules before deciding.
Have a question we haven't covered?
We're here to help, speak with a SHC Benefits advisor -
SHC Everyday FlexCare is a healthcare benefit plan that combines outpatient care benefits, prescription benefits, virtual care, and a separate medical-sharing component for eligible larger medical needs. It is not major medical insurance.
For listed outpatient benefits, your provider must participate in the applicable Claritev / MultiPlan PHCS network. Ask an advisor to help verify the specific provider and service before receiving care. Medical sharing has no network requirement and uses a separate self-pay and sharing process.
Yes. Unlimited 24/7 virtual urgent care is included at $0 cost. Unlimited virtual behavioral health counseling is also included at $0 cost, with appointments required. Psychiatric services are available at an additional cost.
Yes, but restrictions apply for pre-existing conditions. There is a 24-month lookback for most pre-existing conditions and separate cancer rules. Ask for the current membership guidelines and an explanation of how they apply to your needs.
The Member Responsible Amount applies to eligible medical-sharing needs for large medical expenses like hospitalization or surgery. There are four available MRA options - $1,500, $2,500, $3,500, and $4,500. The MRA is paid for the first two sharing needs per plan within a 12-month period. Outpatient costs for everyday care and expenses are not part of the MRA.
More detailed information is available in the SHC Benefits Flexcare plan brochure - Read the full benefit brochure (PDF); and your advisor can also provide the current benefit documents and membership guidelines. Those documents control eligibility, limitations, and exclusions.
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