frequently asked questions

With our plan, your premium is based on your age, smoking status, where you live and your overall health. The healthier you are, the lower your premium! It’s like a good driver discount for your health.

On top of that, 5% of the population is responsible for 50% of all healthcare costs in the US. Our plan is so much more affordable because that 5% of the population does not enroll in our plan. That population typically uses the Affordable Care Act (Obamacare) or Medicaid to pay for their excess usage.

The people who are eligible and who qualify for our health indemnity plan are typically healthier. That means our health indemnity plan doesn’t have to pay as many claims…which means we can lower your premium payments, while still giving you better benefits, which makes our plan an incredibly affordable health insurance option!

Do any of the situations below apply to you?
  • Recent heart attack/stroke
  • Current cancer or previous cancer within the last 5 years?
  • Insulin dependent diabetes
  • Maternity
  • Currently disabled
  • COPD
  • Currently in need of surgery
  • Over 64 years old
If you answered “yes” to any of the situations above, this is not the right plan for you.

But if you have conditions that are NOT listed above like: high-blood pressure, high-cholesterol or other minor conditions, that’s great news because you’ll likely qualify for our coverage!
This is a health indemnity plan and it is 100% approved and regulated by each state’s Department of Insurance.

Unlike Healthcare Sharing Ministries, we are required to strictly follow the healthcare coverage laws in each state we offer this plan.
Absolutely not.
There’s no penalty for purchasing a health indemnity plan.

There’s no out-of-pocket Maximum with our plan.  You get to choose your maximum annual benefit instead! You can choose a plan that will pay a maximum of $250,000, $500,000 or $1,000,000 for that years medical care. This ensures that you can get the coverage you actually need at a price that’s right for you.

No. If your doctor and facility are in-network, you’ll simply give them your insurance card, like most any other insurance, and your doctor will file your claim. Once your claim is paid, any money left over will be sent directly to you as an “excess indemnity check.”
Yes, if you have less than 50 employees you are not required to offer an ACA compliant plan.

If you have more than 50 employees you can still offer this plan coupled with one of our other solutions to keep you compliant with all regulations. Please contact us and we will explain how we help employers with 50 or more employees.
It’s a PPO plan. This plan utilizes one of the largest PPO networks in the country and has over 882,000 access points in all 50 states!

The name of the PPO network is MultiPlan PHCS and we use both their MultiPlan network and MultiPlan Limited.

Most likely, yes! This plan utilizes one of the largest PPO networks of providers, with over 882,000 access points in all 50 states!

You can check to see if your doctor is in network through the resources on our Policy Holder page.

After you’ve requested a quote, a quick 20-minute conversation will allow us to customize your coverage to your specific healthcare needs and budget!

In the year 2017 only 194 people filed health insurance claims that exceeded $1 million. The average person does not need the unlimited benefits that companies like Cigna, Blue Cross Blue Shield, Aetna, Human and United Health Care offer. That is another reason why they charge so much.
No. Your policy is automatically renewed every year with no effort on your part regardless of your claims history or health status changes up to $5 million.
This plan is offered in 36 states! For more information see our coverage map below!

Do you live in one
of the green states?

If so, you’re eligible for coverage with our Health Indemnity Plan!

Health Indemnity plan coverage map, showing that this plan is available in 36 states: WA, OR, CA, NV, AZ, UT, NM, TX, WY, SD, NE, TX, OK, LA, AR, MO, IA, WI, IL, MI, IN, OH, KY, TN, MA, AL, GA, FL, SC, NC, VA, WV, MD, DE, PA, and ME

Still have questions?
We’re here to help!