SmartChoice Benefit Plans

Bonvera is proud to partner with Invicta Benefits Group to bring hard working American families a much needed and long awaited relief to the high costs of traditional healthcare benefits.

SmartChoice Health Plans makes having health care benefits for yourself and your family easy, reliable, and affordable! SmartChoice Health Plans provide 24/7 virtual primary care and urgent; teletherapy; prescription and lab screening benefits; and comprehensive care benefits – in-person primary care, urgent care, specialist, and emergency room visits; wellness and preventive care; hospitalization; surgery; ICU; diagnostic imaging and lab testing; NICU; and maternity.

SmartChoice Benefit Plan are specifically designed for independent contractors and their families focusing on affordability, reliability, and accessibility...View Benefit Plans

Have Questions about your benefits? We are here to help...Contact A Benefits Counselor

SmartChoice Comprehensive Care Plan

SmartChoice
Comprehensive Plan

In-person primary care, specialist, urgentcare, and ER visits; hospitalization, surgery, ICU, diagnostic labs and imaging, maternity, and NICU. Plus, prescription benefits and 24/7 virtual care.

See Comprehensive Plan Details
SmartChoice Basic Plan

SmartChoice
Basic Plan

24/7 virtual primary care, virtual urgentcare, virtual therapy, prescription benefits, and lab benefits.

See Basic Plan Details

SmartChoice Comprehensive Plan

The SmartChoice Comprehensive plan provides you and your family with an affordable and reliable comprehensive medical care benefit for major health needs such as hospitalization, surgery, cancer treatment, diagnostic labs, and imaging, and maternity.

These comprehensive medical benefits are facilitated through a medical share plan which provides both lower out-of-pocket expense as well as lower monthly costs.

SmartChoice Comprehensive Care Benefits

No network requirement for comprehensive care benefits
Initial Unshareable Amount: $1000 or $2500 IUA – max. per plan. 3 IUAs per 12 month period from date of 1st IUA

Inpatient benefit paid at 100% for shareable medical needs amount, after IUA is met.

  • Hospital Confinement - initial admission and continued stay
  • ICU & sub-acute ICU
  • Surgery & Anesthesia
  • Rehabilitation Unit (not drug or alcohol related)
  • Labs & Diagnostic Imaging (diagnostic lab tests, x-ray, mri, ct, pet, eeg, gastroenterology)
  • Physician & Specialist visits
  • Emergency Room

Outpatient benefit paid at 100% for shareable medical needs amount, after IUA is met.

  • Surgery & Anesthesia (includes. Physician & facility fees)
  • Rehabilitation Physical Therapy (not drug or alcohol related)
  • Labs & Diagnostic Imaging (diagnostic lab tests, x-ray, mri, ct, pet, eeg, gastroenterology)
  • Physician & Specialist visits
  • Emergency Room

Maternity benefit paid at 100% for shareable medical needs amount, after IUA is met.

  • Maternity (includes physician visits, delivery, surgery, hospital stay)
  • Emergency Room
  • NICU & sub-acute NICU

End of life services benefit is shareable for all services required at time of death for a participating member. Paid once per decedent.

  • Primary or spouse: $10,000
  • Child: $2500

Additional SmartChoice Comprehensive Plan Benefits

IN-NETWORK - Multiplan PHCS
$25 co-pay for all outpatient physician office visits at primary care physician office, specialist, urgent care, or retail medical clinic. Plan pays up to $200 for services rendered per visit after co-pay. Max. benefit 4 visits per insured/year

OUT-OF-NETWORK
$25 co-pay for all outpatient physician office visits at primary care physician office, specialist, urgent care, or retail medical clinic. Plan pays up to 125% of Medicare for services rendered per visit after co-pay. Max. benefit 4 visits per insured/year

IN-NETWORK - Multiplan PHCS
No cost for all covered wellness and preventive care services. Max. benefit: 1 exam per year per insured History, Physical Exam, Measurements (height, weight, body mass index).

OUT-OF-NETWORK: Not covered.

IN-NETWORK - Multiplan PHCS
No cost for all covered wellness and preventive care services.

OUT-OF-NETWORK: Not covered.


Covered Preventive Services for Adults
(ages 18 and older)

  • Abdominal Aortic Aneurysm Screening - One-time screening for age 65-75
  • Blood Pressure screening - One-time per plan year
  • Cholesterol screening - One-time per plan year
  • Type 2 Diabetes screening - One-time per plan year
  • Hepatitis B screening for adults at high risk - One-time per plan year
  • Hepatitis C screening for adults at high risk - One-time per plan year
  • HIV screening & counseling - One-time per plan year
  • Immunization vaccines One-time per plan year per immunization (EACH) - hepatitis A & B, herpes zoster, human papillomavirus, influenza (flu shot), measles, mumps, rubella, meningococcal, pneumococcal, tetanus, diphtheria, pertussis, and varicella
  • Obesity screening & counseling - One-time per plan year
  • Sexually Transmitted Infection (STI) prevention counseling - One-time per plan year
  • Syphilis screening - One-time per plan year

IN-NETWORK - Multiplan PHCS
No cost for all covered wellness and preventive care services.

OUT-OF-NETWORK: Not covered.


Covered Preventive Services for Women
(ages 18 and older)

  • BRCA counseling and genetic testing - One-time per plan year for Women at higher risk
  • Breast Cancer Mammography Screenings - One-time per plan year for women age 40+
  • Breast Cancer Chemo prevention counseling - One-time per plan year
  • Cervical Cancer screening - One-time per plan year
  • Gestational Diabetes screening - One-time per plan year
  • Hepatitis B screening - One-time per plan year
  • HIV screening & counseling - One-time per plan year
  • Human Papillomavirus (HPV) DNA test - One-time every 3 years for women with normal cytology age 30+
  • Osteoporosis screening - One-time per plan year for women age 60+
  • Well-woman visits - To obtain recommended preventive services

IN-NETWORK - Multiplan PHCS
No cost for all covered wellness and preventive care services.

OUT-OF-NETWORK: Not covered.


Covered Preventive Services for Children
(ages 18 and older)

  • Immunization vaccines One-time per plan year per immunization (EACH) - hepatitis A & B, herpes zoster, human papillomavirus, influenza (flu shot), measles, mumps, rubella, meningococcal, pneumococcal, tetanus, diphtheria, pertussis, and varicella
  • Autism screening - Limited to 2 screenings up to age 26 months
  • Blood Pressure screening - One-time per plan year
  • Congenital Hypothyroidism screening - One-time per plan year for Newborns up to age 3 months
  • Phenylketonuria (PKU) screening - One-time per plan year for Newborns up to age 3 months
  • Sexually Transmitted Infection (STI) prevention counseling & screening - One-time per plan year for adolescents aged 12 to 17 years
  • Tuberculin testing - One-time per plan year
  • Vision screening - One-time per plan year for children up to age 5

A comprehensive risk assessment covers physical, lifestyle, behavioral health, and other areas.

Lab tests are delivered to the patient’s doorstep and are easily returned to the lab in pre-paid packaging. Lab results than can be reviewed directly with your virtual primary care physician.

Patients can choose a dedicated primary care provider who meets both their medical needs and preferences.

For immediate diagnosis, treatment, or direction of acute medical conditions.

Provides solutions 24/7/365 through experienced Behavioral Health clinicians specialized in healing emotional trauma from stress injuries/incidents for members, including suicidal thoughts, addiction, substance abuse, anxiety, relationships, and more.

Physician Care teams identify and manage chronic medical conditions on and ongoing basis.

Prescriptions are immediately sent to the patient’s preferred pharmacy for easy pick up or even home delivery for non-DEA controlled medications.

Comprehensive formulary with over 2000 medications. 200+ of the most commonly prescribe medications for $1. Accepted at over 70,000 participating pharmacies. Includes direct mail order delivery, international pharmacy access, prescription assistance program, pet medications, and discounted diabetic supplies. See Basic Rx Benefit Overview for details.

Have Questions? We're here to help...

Connect with a Benefits Counselor

SmartChoice Basic Plan

The SmartChoice Basic plan gives you 24/7/365 access to licensed and qualified medical professionals from virtually anywhere using your mobile device or laptop; including primary care and basic mental health therapy.

Virtual direct primary care physicians can provide diagnosis and prescribe treatment or medication with the same effectiveness as their in-person counterparts - even when treating patients for chronic pain management or chronic illness conditions. You’ll have access to the same virtual primary care physician and staff every time you use your benefits. It’s like having your family doctor with you virtually anywhere you go, anytime.

Patients can choose a dedicated primary care provider who meets both their medical needs and preferences.

For immediate diagnosis, treatment, or direction of acute medical conditions.

Provides solutions 24/7/365 through experienced Behavioral Health clinicians specialized in healing emotional trauma from stress injuries/incidents for members, including suicidal thoughts, addiction, substance abuse, anxiety, relationships, and more.

Physician Care teams identify and manage chronic medical conditions on and ongoing basis.

A comprehensive risk assessment covers physical, lifestyle, behavioral health, and other areas.

Lab tests are delivered to the patient’s doorstep and are easily returned to the lab in pre-paid packaging. Lab results than can be reviewed directly with your virtual primary care physician.

Prescriptions are immediately sent to the patient’s preferred pharmacy for easy pick up or even home delivery for non-DEA controlled medications.

Comprehensive formulary with over 2000 medications. 200+ of the most commonly prescribe medications for $1. Accepted at over 70,000 participating pharmacies. Includes direct mail order delivery, international pharmacy access, prescription assistance program, pet medications, and discounted diabetic supplies. See Basic Rx Benefit Overview for details.


SmartChoice Benefit Plan Enrollment - Get Started!

SmartChoice Health Benefit Plans

Start your enrollment by selecting the benefit plan that best meets your need; you'll be immediately conntected to the secure enrollment portal to complete your registration.

SmartChoice Comprehensive 1000 Comprehensive Care with lowest out of pocket cost
SmartChoice Comprehensive 2500 Comprehensive Care with low out of pocket cost
SmartChoice Basic 24/7 virtual care + rx

Contact Us


HAVE QUESTIONS ?
CONNECT WITH A BENEFITS COUNSELOR

(850) 724-0055 Give Us A Call
Book An Appointment with a Benefits Counselor

Health Benefit Member Services
866-588-0073

Member Portal Login
Enroll Today Fast, Easy, Secure
IBG

The SmartChoice Health Benefit Plans are provided through Invicta Benefits Group, which works exclusively with small business groups, sole proprietors, and independent contractors to provide them with affordable and accessible health benefits to give them a competitive advantage in the work marketplace to retain and attract the quality talent needed to help make their businesses succeed.

Contact Information