frequently asked questions
Why is your health insurance so affordable?
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!
How do I know if I Qualify for this plan?
- Recent heart attack/stroke
- Current cancer or previous cancer within the last 5 years?
- Insulin dependent diabetes
- Currently disabled
- Currently in need of surgery
- Over 64 years old
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!
Is this real insurance?
Unlike Healthcare Sharing Ministries, we are required to strictly follow the healthcare coverage laws in each state we offer this plan.
Do I have to pay a penalty for not having ACA insurance?
There’s no penalty for purchasing a health indemnity plan.
What is my max out-of-pocket?
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.
Do I have to pay cash and file a claim for reimbursement?
Can i offer my employees a non-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.
Is this an HMO or PPO plan?
It’s a PPO plan. This plan provides access to the Aetna-Owned First Health Network, one of the largest PPO networks in the country. With over 926,000 providers, 140,000 ancillary facilities, 6,100 hospitals, and 1,500,000 service locations, nearly 96% of the U.S. population has access to a First Health provider within 20 miles.
is my doctor in-network?
Most likely, yes! This plan provides access to one of the largest PPO networks, with over 926,000 providers, 140,000 ancillary facilities, 6,100 hospitals, and 1,500,000 service locations.
You can check to see if your doctor is in network through the resources on our Policy Holder page.
Will this be enough coverage for me?
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.
Do I have to renew or re-qualify every year?
Is this plan offered in my state?
This plan is offered in 34 states! For more information see our coverage map below!