sentences:  All generally claim to be accessible via telephone or email at any time of day or night or offer some other service above and beyond the customary care.The annual fees vary widely, ranging, on average, from US$195 to US$5,000 per year for an individual with incremental savings when additional family members are added.The higher priced plans generally include most "covered" services where the client is not charged additional fees for most services (labs, xrays, etc.