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.

Yes. You can visit any provider in the PHCS/Options Plus network.

Enrollment is fast — most members start within 5–10 days.

You can use SBME as a supplemental or alternative option for everyday and major medical coverage.

No. SBME is designed to be simple and transparent, with clear pricing and no unexpected costs.

SBME covers everyday healthcare needs like doctor visits, preventive care, prescriptions, and telehealth — along with protection for major medical events such as hospital stays, surgeries, and emergencies.

Enrollment is quick and simple. Most members can begin coverage within 5–10 days after signing up.

No long-term contracts are required. You can choose the plan that fits your needs without being locked into complicated agreements.

Simply click the button below, enter a few details, and see your personalized monthly rate in less than 2 minutes.