How It Works
Your plan comes with powerful tools, savings resources, and advocacy services — all included at no extra cost. Here’s how to get the most from your coverage.
Tools That Help You Save on the Cost of Healthcare
Every tool below is included with your plan at no additional cost. Use them to find quality care at a fair price.
Benefit PAL App
Your PAL for managing healthcare on the go—access ID cards, benefit information, claims history, and more all in one convenient location.
24/7 Telehealth
Talk to a doctor 24/7/365 for $0 with Virtual Urgent Care from New Era. This includes:
- Unlimited virtual urgent care visits
- Board-certified physicians
- Discounted Virtual Dermatology
- Discounted Virtual Counseling
- Psychiatric Medical Care
First Health Network
Discounts on doctors, hospitals & labs including:
- One of the largest provider networks in the country
- Discounted rates on healthcare services
Concierge Powered by Healthcare Bluebook
Save big on outpatient surgeries and other medical services.
- Your personal healthcare "shopper"
- Help with scheduling and care coordination
- Procedure bundling into a simple, transparent bill
- Prevents surprise charges
Fair Pricing Tool — Powered by Healthcare Bluebook
Stop overpaying for healthcare services.
- Find the Fair Price for services in your region
- Compare provider prices before scheduling
- Spot overpriced care immediately
ScriptSave WellRX
Locate the lowest discounted price for your prescription medications.
- Free savings available for brand-name and generic drugs
- Accepted at 62,000+ pharmacies nationwide
- Group number: 2242
Medical Bill Eraser — Powered by CareGuide
World-class advocates who help fight medical bills on your behalf.
- Expert negotiation to reduce or eliminate large bills
- Ensures accurate and fair medical billing
- Uses innovative technology to identify billing errors
Save Money and Keep the Difference
With a fixed-benefit indemnity plan, smart healthcare shopping can put money directly back in your pocket. When your provider charges less than your benefit amount, you keep the savings.
This plan allows you to:
Use any doctor or hospital with the same fixed benefit
Know exactly what your plan pays before you schedule care
Keep the savings when your provider charges less
Transparent, predictable healthcare costs
Save Smarter
Tips to Maximize Your Benefits
Know Where to Go
Start with New Era Telehealth for minor issues (free with select plans). Use urgent care when telehealth isn't enough. Save the ER for true emergencies.
Compare Before Scheduling
For planned services like labs, imaging, procedures, and prescriptions, use PAL's Healthcare Savings Tools. Costs can vary by hundreds or thousands of dollars.
Ask About Cash Pay
Many providers offer lower rates for direct cash payments. Request the cash price, submit your claim afterward, and apply your indemnity benefit. Keep the savings if the cash price is lower.
We help you navigate healthcare — so you keep more of what you earn.
Authorized & Trusted Agency Partners
Proudly working with established carriers and benefit providers to serve Pennsylvania families
Get Your Free Quote
See whether these coverage options make sense for your situation. A short form is all it takes to start the conversation.