A Smarter, More Affordable Way to Cover Your Health
Get everyday healthcare coverage plus protection from major medical costs, all in one simple, budget-friendly plan.
What is the SBME Package?
The SBME Package is a simple, two-part health solution designed to make healthcare more affordable and predictable. It combines everyday coverage for routine care with powerful protection for major medical events, all in one easy-to-understand plan.
What’s Included in Your Coverage
Essentials Coverage (Your Base Plan)
100% Preventive Care
$25 Primary & Specialist Visits
$0 Telehealth & Mental Health
$50 Labs & X-Rays
$15 Generic Medications
Major Medical Protection
Hospital, Surgery & Accidents
$1,250 Initial Unshareable Amount (IUA)
100% Coverage After IUA
Freedom to Choose Any Provider
Affordable Coverage That Fits Your Budget
Most members pay between $312–$436 per month, depending on age and family size. See your personalized monthly rate in less than 2 minutes , no commitment required.
Why Choose SBME?
Simple, transparent pricing
No hidden fees or surprises
Everyday care + major medical protection
Fast, responsive support
Designed for individuals and families
Trusted by Members Across the Country
FAQs
Is SBME an insurance plan?
SBME combines a basic medical plan with a cost-sharing community. It's not traditional insurance but offers similar protection in a simpler, more affordable way.
Can I use my own doctor?
Yes. You can visit any provider in the PHCS/Options Plus network.
How soon does coverage begin?
Enrollment is fast — most members start within 5–10 days.
Ready to See Your Monthly Rate?
Takes less than 2 minutes. No commitment required.
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SBME's mission is to make basic healthcare affordable, predictable, and human again.
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