For the Heartland Human Care Services team

Health coverage built fordirect service staff|

Real benefits on the Cigna and PHCS PPO networks. An individual plan you choose and pay for yourself, open to everyone on the Heartland Human Care Services team and the families who count on them.

Calculate my rate

Heartland Human Care Servicesin partnership with Molli Health

11:08

View My ID CardAccess your digital insurance card anytime

Claims & Spending

Deductible

$2305.00remaining

$195.00 of $2500.00 met
until you reach copay/coinsurance

Out-of-pocket

$2305.00remaining

$195.00 of $2500.00 met
maximum out-of-pocket limit

Recent Activity

Medical Claim8/9/2025

$180.00Approved

Home

My Plan

100%

Paid by the plan once you meet your deductible.

2M+

Providers through the Cigna and PHCS PPO networks.

Virtual primary care and generic prescriptions.

The plans

Three ways to get covered.

Every plan includes $0 virtual primary care and $0 generic prescriptions. Pick the deductible and the price that fit.

Major Medical

Real time by age and ZIP

Three deductibles. The plan pays 100% after you meet it, so the deductible is the most you pay for covered care in a year.

$2,500, $5,000 or $10,000 deductible
100% covered after the deductible
HSA-qualified options
2M+ providers nationwide

Calculate my rate

First Health network

MEC Plus

$125 /mo, flat

The richer MEC tier: real-world visits with predictable copays. Same price at every age.

$15 primary care, $25 specialist and urgent care copays
X-ray and basic diagnostics, $50 copay
Unlimited $0 virtual primary care
$0 generics

Enroll now

First Health network

MEC

$70 /mo, flat

Everyday access: preventive care, virtual doctors and free generics for one flat price.

ACA preventive services covered 100%
Unlimited $0 virtual primary care
Labs and common tests, $0
$0 generics

Enroll now

Add to any plan

Dental, vision and supplemental

MetLife. Flat composite rates for accident and hospital indemnity; dental and vision quoted at enrollment.

Dental
Vision
Accident
Hospital indemnity
Critical illness

Every plan

Included with every plan.

The Molli app runs the whole thing: ID card, pricing, provider search and an agent that answers coverage questions.

Preventive care

Annual visits, screenings and immunizations.

Unlimited virtual primary care

Same-day and next-day, for the whole household.

Generic prescriptions

1,000+ generics at no cost.

Provider and facility search

Check your doctors before you pick a plan.

Real-time pricing

By age and ZIP, before you commit.

An agent for coverage questions

Instant answers, any hour, in plain language.

How it works

Three steps. About ten minutes.

No open enrollment window. Joining is the qualifying event, so you can start any month.

2 min

Tell us about yourself

Where you live and who needs coverage. You see real prices right away.

5 min

Become a member

Membership is your door to coverage. A short application, done on your phone.

3 min

Pick a plan

Choose your network and deductible. ID card ready in the app the same day.

Care for the people who care for Chicago.

Calculate my rate

FAQ

Still have questions?

Who can join?

Anyone on the Heartland Human Care Services team: full-time, part-time, per diem and contract staff, and their families. That includes people who are not eligible for the employee plan. This page and its pricing are here for the Heartland Human Care Services team.

Is this the Heartland Human Care Services employee plan?

No. This is separate from the benefits Heartland Human Care Services offers its eligible employees, and nothing here changes those benefits. Coverage is individual. Each person joins on their own, picks their own plan, and pays their own monthly amount. Heartland Human Care Services makes the program available to its team and does not sponsor or administer it.

When can I sign up?

Any month. Becoming a member is a qualifying event, so you don't have to wait for open enrollment. Most people are covered within a few days of signing up.

Can I add my spouse or kids?

Yes. Family pricing is shown at plan selection, based on each person's age.

Can I keep my doctor?

Most likely. Cigna PPO and PHCS are both national networks. You can search for your doctors during onboarding, before you pick a plan, and again any time in the app.

Can I talk to someone before I sign up?

Yes. Use the Have questions button on this page and a real person from Molli will reply within one business day.

What does it actually cost?

Major medical is priced by age and ZIP code and shown before you commit. Click Calculate my rate, enter your ZIP and date of birth, and you see your real price in about a minute. MEC is $70 a month and MEC Plus is $125 a month at every age.