choose the cost & coverage that is right for you!
This Flexibility Makes our plan an affordable Private health insurance option for individuals, families, entrepreneurs, teachers, small businesses, and more...
choose the cost & coverage
that is right for you!
$0 Co-Pays + Benefits You’ll Actually USE
The Perfect Blend Of Cost & Coverage:
Our Comprehensive 4 Plan Bundle
1. The Healthcare Plan
This Healthcare Plan is your base plan and includes coverage for: preventative care, doctor visits, hospitalization, surgery, cancer, prescriptions, labs, x-rays, MRIs, and more.
The base-cost of this plan is based on your age, smoking status, and general health. The healthier you are, the greater your savings.
There is a short application process to see if you qualify for this plan. (a few disqualifiers would be pregnancy, recent heart attack, or stroke)
2. The Accident Plan
The Accident plan offers additional financial protection, should you be injured in an accident.
27% of all emergency room visits are due to accidents. This plan will pay up to an additional $4,000 on top of your base healthcare plan. Many people use this part of the bundle to help cover their deductible.
It also comes with a $100,000 accidental death benefit.
3. The Critical Illness Plan
The Critical Illness plan comes into play if something major happens: heart attack, stroke, or internal cancer. This is when you’ll need help paying bills the most.
On top of what the Healthcare Plan already pays, this plan will pay an additional $10,000 – $50,000 (you get to choose the amount).
This check comes addressed to you and you can use it however you need to – mortgage payments, car payments, utility payments, anything you need.
4. The Specified Disease Plan
The Specified Disease plan gives you access to an even larger PPO network than your base Healthcare plan and provide additional coverage for heart attack, stroke, cancer, lupus, and more.
design your Private Health Insurance Plan
Choose from 3 benefit level plans:
- Value (One Unit)
- Plus (Two Unit)
- Preferred (Three Unit)
You get to choose the coverage level that is right for you. No more paying for excess coverage you don’t need!
Deductibles are ONLY applied to hospital stays over 24 hours, so if you enter the hospital at 8am and leave at 2am the next day, you do not have to pay your deductible. You can select your deductible from several options and use your preventative benefits, deductible-free!
Fixed Benefit & Income Protection in action
Select a procedure and benefit to see how each provider responds:
You choose your provider, your plan will pay the same benefit amount, and write you a check for the difference:
*Tap each option below for more details.
The smarter you shop for your healthcare - the more you save!
with Your Concierge Membership
our experts help you shop for your healthcare
with Your Concierge Membership our experts
Pre-Price your healthcare
You’ll know how much your care will cost, before you go to the doctor
Protecting real people
Gary had only been on his new private health insurance plan for three months when he was diagnosed with stage 4 esophageal cancer.
Facing such a difficult diagnosis, Gary’s family was deeply concerned about, not only his health, but the cost of treatment and the kinds of difficult decisions that lay ahead.
With his new health indemnity plan though, they discovered that Gary’s treatments were not only covered, but that Gary would receive over $59,000 in excess indemnity checks (pictured) to spend however he needed to as he battled cancer