Standard
Smart, dependable everyday coverage
$148.59 / month
Single Coverage
- 80% Health Reimbursement
- $3,000 Drug Coverage
- $1,500 Dental Coverage
Exclusive group benefits for OAFM & OACP members
Health and dental insurance plans — exclusive for OAFM & OACP members only
Existing members: Submit your application by August 1, 2026. After this date, applications close and you will no longer be eligible for this one-time association offer.
One time opportunity only
- No health questions — ever.
- Guaranteed approval for eligible members.
- Pre‑existing conditions covered.*
Choose Your Coverage
Select the plan that fits your life
Two clear, association-designed plans with stable group pricing. Choose your coverage type to see personalized rates.
Luxury
Premium protection without compromise
$272.74 / month
Single Coverage
- 100% Health Reimbursement
- $20,000 Drug Coverage
- $2,000 Dental Coverage
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Formulary & Non-Formulary Drugs Coverage Per Person, Per Year | 70% of the lowest-cost alternative up to $1,000 | 100% of the lowest-cost-alternative up to:
|
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Annual Maximum Coverage Per Person, Per Year | $250 combined at 80% | $500 per practitioner at 80% |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Annual Maximum Coverage Per Person, Per Year | $250 combined | $500 combined |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Coverage Per 2 Years | $60 (eye exams only) | $300 |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Emergency Medical |
|
|
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Diabetic Supplies Coverage Per Person, Per Year | $300 | $500 |
| Oxygen Equipment Unlimited | 90% of the approved rental fee | 100% of the approved rental fee |
| Ambulance (Air & Ground) Unlimited | $1,500 per calendar year | Unlimited |
| Casts & Crutches | $150 per calendar year | Unlimited |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Semi-Private Hospital Rooms | Unlimited | Unlimited |
| Private Duty Nursing | $2,500 | $5,000 |
| Accidental Injury to Natural Teeth | $2,000 per injury | $2,000 per injury |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| Custom Foot Orthotics | One pair every 5 years per person | One pair every 5 years per person |
| Ostomy Supplies | $300 per calendar year | $300 per calendar year |
| Prosthetic Appliances | $10,000 lifetime maximum per person | $10,000 lifetime maximum per person |
| Wheelchairs, Scooters & Hospital-Style Beds | One every 5 years per person | One every 5 years per person |
| Patient Walkers | One every 5 years per person | One every 5 years per person |
| Breast Prosthesis | One per breast, every 5 years per person | One per breast, every 5 years per person |
| Benefit | Standard Plan | Luxury Plan |
|---|---|---|
| GMS Care Network | Unlimited short-term services | Unlimited short-term services |
| Survivor Benefit | 12 months | 12 months |
Ready to enroll? Submit your application in under 60 seconds and a dedicated advisor will guide you through the rest.
Start Your ApplicationMember Advantages
Why OAFM & OACP members choose group benefits
A unique association advantage you won’t find on the open market — designed to be simple to qualify for and easy to love.
100%
Guaranteed approval for eligible members
0
Health questions required to apply
2
Thoughtfully designed plan options
60s
Average application time
-
No health questions
Skip the medical questionnaire. Eligible members qualify on membership alone.
-
Guaranteed approval
If you’re eligible, you’re in. No surprises, no underwriting roadblocks.
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Pre‑existing conditions covered
Your past health history won’t stand between you and your coverage.
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Stable group pricing
Pooled coverage means predictable, association-exclusive rates with stable renewals.
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Expert advisor support
A dedicated advisor walks with you from application through enrollment.
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Simple enrollment
Apply in minutes and complete the process with secure electronic signatures.
Enrollment windows
When you can enroll
Whether you’re joining today or later, here are the enrollment periods that apply to your situation.
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Existing members Priority
Priority enrollment window
Already an OAFM or OACP member? Enroll during your priority enrollment period to secure your coverage.
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New members
Welcome to your benefits
Joining your association? You’ll have 90 days from your membership start date to enroll in your plan.
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Loss of coverage
Seamless transition
Lost your group benefits elsewhere? You have 90 days to step into coverage and stay protected.
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Life events
Coverage when life changes
Marriage, divorce, or a new baby? You have 31 days from the event to update or enroll your coverage without health questions.
Important Eligibility Requirement
You must maintain active membership in your association to remain eligible for coverage. Each enrollment scenario has specific time windows to ensure you can access coverage when you need it.
Simple 4-step process
How to apply
Four simple steps from application to welcome kit.
Complete Application
Fill out the short form with your membership details. Takes about 60 seconds.
Secure Your Rate
An FWB advisor confirms your eligibility and locks in your group rate.
OneSpan Signature
Review and sign your enrollment documents electronically via OneSpan.
Welcome Kit
Receive your coverage details and member materials before your start date.
Important: Your application is not complete until signed
Submitting this form starts your application. You will receive OneSpan documents to review and sign before your enrollment is finalized.
Ready to get started?
Secure your coverage with stable group pricing
Submit your application in under a minute. An FWB advisor will confirm your eligibility and walk you through next steps for your August 1, 2026 start date.
Start Your Application* Coverage details, eligibility windows, rates, and pre‑existing condition treatment are subject to plan terms, member eligibility, and confirmation by the underwriter at the time of enrollment.