Fast and Easy Enrollment. Savings Locked In for 3 Years.

Three Year Rate Guarantees

We have plans that can lock-in savings now without any premium increases for three years.

Across States

We work across the USA. Even if your family members reside in different states, we can help.

Affordable Total Benefit Solutions

Customized packages with dental, hearing & vision.

You may need immediate coverage when:

• Employed, but employer has no health insurance.
• Facing higher expenses with COBRA.
• Waiting for job-based insurance to start.
• Recently retired and waiting for Medicare.
• A business owner or entrepreneur.
• Children are aging from your plan.
• Moving to another state.

Medical Expense Shield Plans

These plans combine a traditional health plan with fixed benefits so you can focus more on healing and less on bills! They cover provider treatments, hospital admission, hospital confinement, surgeries and can be used with a high deductible plan that keeps your premiums low.

Why Consider These Plans?

• High-deductible health plans leave high out-of-pocket costs.
• Accidents disrupt income.
• Living expenses continue even during recovery.
• Unexpected expenses arise from illness or injury, including transportation and in home care.
• Coverage is needed for doctor visits, accidents, ambulances, surgeries, tests and hospital confinement.

Money When You Need It  

Our coverage pays cash benefits directly to you up to $35,000.00 per accident, each time.  

There's also an optional 1x per year lump-sum hospitalization benefit for sickness treatment and admission to a hospital because of sickness.

AD&D coverage is included with accident protection.  If you pass from an accident, your beneficiaries will receive 100% of your selected benefit amount.

Our hospital expense protection plans pay you directly for hospital stays, lab services, ambulance services and Doctor office and urgent care visits. 

These coverages work with any health coverage you may have, so you never face unexpected, extreme expenses.