Have questions?
We can help.
Health insurance can be complex. We’re here to make it easy.
Check out our frequently asked questions or contact us at
(877) 958-2109 or [email protected].
Plan details and benefits
- No open enrollment periods
- Three major medical plan design options
- Two HSA eligible plan design options
- Comprehensive coverage from top-tier providers, available through a nationwide PPO network
- Concierge support for help with billing issues, finding doctors and more
There are three plan designs, which offer deductibles of $2,500, $5,000 and $10,000. The deductibles are also the out-of-pocket maximums, except copays for Tier 2 and above pharmacy benefits (once the annual deductible is satisfied).
Once contracts are signed, you must wait until renewal to select a different plan design. Plans renew on January 1 each year.
The three model plan designs show the annual out of pocket maximum, which is the same as the deductible. These vary by tier.
Once you meet your deductible, qualified benefit services are covered at the 100% level, except copays that apply for pharmacy benefits at Tier 2 and above.
The $2,500 and $5,000 deductible plan options are HSA qualified. You can set up your own individual HSA account through many sources, including your bank or credit union or by using an online HSA provider.
Premiums are generally tax-deductible for agents who are not eligible for an employer-sponsored group plan. For questions, please confirm with a tax professional.
You will have access to a nationwide PPO, PHCS Physician & Ancillary Network.
Check their doctor list here.
Be sure to compare your explanation of benefits to the provider’s bill and contact claims administrator, Vault, if they do not match.
Start by searching the PHCS network. If your preferred provider does not appear, you can use any doctor except HMO providers.
Simply provide your medical ID card to your physician’s office and have them contact the claims team to coordinate payment. If your provider does not want to contact the claims team, you should insist. Do not pay for your healthcare services up front.
Contact the Fairos Care Navigation Team at (855) 426-1100 to find the best facilities based on quality and cost metrics. This team can help you find a “friendly” provider for medical care based on cost, quality, location and prior utilization.
Like ACA plans, qualified preventative services are not subject to the deductible and are 100% covered within plan designs.
Like ACA plans, there are no annual or lifetime limits on benefits. This is NOT a limited medical or short-term medical plan.
The Vault customer service team offers personalized support and services. You can also access Vault Cares Network for second opinions and concierge medicine programs.
Eligibility and enrollment requirements
The Integrity Health Plan is available to Integrity agents and advisors and their families who operate as self employed individuals and have their own Federal Employer Identification Number (FEIN).
To participate in the Integrity Health Plan, an FEIN is needed. Luckily, getting your FEIN is quick and easy. As an independent agent, you can apply online through the IRS in just minutes. Submit a few pieces of basic information and you’ll receive your FEIN right away
For assistance setting up your FEIN, call (800) 399-0174 or to verify a forgotten FEIN, call (855) 214-7520.
While there is no individual medical underwriting, applicants must complete a short health questionnaire to determine eligibility.
Your responses will not be shared with or released to any other entity.
Depending on the conditions of you or your dependents, you may not be eligible for the Integrity Health Plan at this time.
The structure, plan designs and application of a health questionnaire allow the Integrity Health Plan to remain healthy now and in the future. As the cost of healthcare continues to increase, the Integrity Health Plan will choose how to control costs by adjusting participation requirements or plan benefits.
Participating in the Integrity Health Plan is a qualifying life event. In most instances, you can change your existing health insurance to the Integrity Health Plan at any time during the calendar year, with effective dates on the 1st of each month.
The enrollment process
and getting coverage
Getting coverage is simple and takes just a few minutes through Integrity’s secure online portal.
Review the plan design options and monthly premium fees, complete and pass a medical questionnaire, select your plan design, sign final contracts, enter bank information and you’re covered.
You can proceed from viewing your plan options and estimated premium costs to signing documents in minutes.
Contact Integrity’s dedicated Vault service team at (877) 958-2019 for support related to enrollment and eligibility.
There is no waiting period. You will know immediately after completing the health questionnaire if you are eligible for the Integrity Health Plan.
When you enroll in coverage, you will be asked for your checking account number and bank routing number. All monthly premiums are paid via ACH deduction, generally between the 25th day and the last day of the month before each next covered month. The first month you join, your payment will be earlier, likely between the 15th and the last day of the month.
Monthly fees are guaranteed through the end of the calendar year. Regardless of when you establish your plan, any changes to monthly fees, details or plan designs will occur on January 1 each year.
In early November, each plan will have the opportunity to renew for the next calendar year, and all plans must be renewed. The 2026 plan year began on January 1, 2026, and goes through December 31, 2026.
You will receive an introductory email from [email protected] after your first payment is drawn. This email is important as it will contain a link and instructions on how to create your account on the member portal. Once you have set up your account, you will be able to access your virtual ID card(s), eligibility records, claims information, documentation and other important information regarding your healthcare.
Your ID card(s) will list:
- Plan administrator: Vault Admin Services
- PPO network: PHCS Physician & Ancillary Network
- Pharmacy benefit manager: FairosRx
You should wait to cancel your existing health coverage until after the 1st of the month during which your coverage is effective. You are responsible for proactively canceling your existing coverage.
Contact and support
Vault Customer Service, or Vault, administers the Integrity Health Plan. Their team is available to support you with any questions you have related to claims, eligibility, benefits and more.
Contact Integrity’s dedicated Vault service team at (877) 958-2109 or [email protected]
Vault’s dedicated agents are available Monday through Friday, 8:00 am – 5:00 pm CST.
The member portal allows you to access your virtual ID card(s), eligibility records, claims information, documentation and other important information regarding your healthcare.
Yes, there are special providers for prescriptions, PHCS network and telehealth.