Equal Global Health Services plots a clear line from your first question to your next appointment — plans, providers, claims, and costs, across our network in Africa, all read off the same map.
Every plan lists the same four numbers up front, so you're comparing apples to apples before you ever compare doctors.
Lower premiums in exchange for staying inside a defined network and getting referrals from your primary care provider.
See any provider, in or out of network, without a referral. You'll pay more for the flexibility.
No referrals needed, but care must stay in-network except in emergencies. A middle ground between HMO and PPO.
Primary care coordinates your referrals, but out-of-network visits are still covered at a lower rate.
A high deductible paired with a lower premium and HSA eligibility — built for people who rarely see a doctor.
Tops up your country's national health insurance scheme (NHIS, NHIF/SHA, NHIA and equivalents) with private facility access and shorter wait times.
Voluntary coverage you can layer on top of any medical plan above — priced separately and billed alongside your premium.
Term life insurance for you, with the option to add a spouse or dependents. Coverage starts the first of the month after enrollment.
Annual eye exams, plus an allowance toward glasses or contacts. Works alongside any Equal Global Health Services medical plan.
Ground and air ambulance coverage for true emergencies, including inter-facility transfers when a higher level of care is needed.
Hospitalization and treatment coverage while you're traveling or living outside the country, including emergency evacuation back to an in-network facility.
Covers residential and group home care for dependents, aging parents, or members who need daily living assistance — with a care coordinator to help arrange placement.
Locate emergency rooms, urgent care clinics, and in-network hospitals near you, with live wait-time estimates where available.
Check whether your regular pharmacy is in-network and compare mail-order pricing on maintenance medications.
Talk to a provider by video within your plan's copay — usually available same-day for non-emergency concerns.
One record for everything a provider, pharmacist, or first responder might need to know about you.
Fingerprint on file for identity verification at check-in.
VerifiedPremium payment history may be reported to consumer credit bureaus in accordance with applicable national regulations in your country of residence. On-time payments can help build your credit profile; late payments may affect it.
Your emergency contact and blood type are shared automatically with responding EMS when this number is called from your registered phone.
Once you're signed in, your account becomes the single source of truth for claims, spending, and paperwork.
Individual deductible for the 2026 plan year.
Every claim filed on your behalf, with status, date of service, and the provider that submitted it.
View claims →See exactly how a claim was priced — what Equal Global Health Services paid, what was adjusted, and what you owe.
View EOBs →Track requests your provider has submitted for procedures or medications that need approval first.
Check status →Reorder maintenance medications, switch to 90-day mail order, or compare pharmacy pricing.
Manage prescriptions →Pull up your card at the pharmacy or front desk — no need to dig for the plastic one.
Open ID card →View premium invoices, set up autopay, or make a one-time payment on your account.
Manage billing →| Plan | Monthly premium (USD) | Deductible | Out-of-pocket max | Referral |
|---|---|---|---|---|
| EGHS Local (HMO) | $318 | $1,500 | $5,000 | Required |
| EGHS Open (PPO) | $462 | $1,000 | $6,000 | Not required |
| EGHS Direct (EPO) | $389 | $1,250 | $5,500 | Not required |
| EGHS Horizon (HDHP) | $241 | $3,000 | $7,000 | Not required |
Premiums shown in USD for cross-market comparison; your invoice is billed in your local currency at the prevailing rate.
Certain changes let you enroll or update coverage outside the open enrollment window.
A copay is a flat fee, like $25 for a specialist visit. Coinsurance is a percentage — after your deductible is met, you might pay 20% of a bill and Equal Global Health Services covers the rest.
File a written appeal within 180 days of the denial notice from your account's Claims section. You'll get a decision within 30 days for standard appeals, or 72 hours for urgent ones.
Check the provider directory for your new plan before switching — networks differ between HMO, PPO, EPO, and POS options, even within Equal Global Health Services.
Marriage, divorce, a new child, losing other coverage, or moving to a new service area all open a 60-day special enrollment window.
Tell us a little about you and what you're looking for. A member of our team — or our USA services agent, if you're based in the US — will follow up within two business days.
We review your answers, match you to plans in your country, and reach out by your preferred method.
Our USA services agent, Roland Pour, Jr., handles US-based members and employers: 763-443-0160.
This form is not for urgent needs. Call your local emergency number or the EGHS 24/7 nurse line.