With major medical plan prices and deductibles on the rise, some customers need a different way to get the health care they need.  That's where a Fixed Benefit product combined with affordably priced supplemental products will meet customer needs.

The New and Improved Affordable Choice
A Hospital confinement and other Fixed Indemnity Insurance Policy

• Available in 37 States
• Male & Female rates are the same
• No increase in rates for tobacco usage
• Child only coverage starting after newborns 6 week exam
• Continuous coverage with stable rates from one year to the next (Unlike STM)
• No waiting periods for any coverage’s and coverage can begin/eff. next day 1st-28th of the month
• Pre-existing conditions covered after 1st year (Unlike STM)
• $5 million lifetime max per insured (Like the best major medical plans pre-ACA)
• No Deductibles, co-insurance or co-pays,1 st dollar coverage’s that can pay in excess of your actual medical bills to be used for other expenses. (Like AFLAC)
• $8,000 hospital room & board coverage 1 st day and $5,000 each additional day to $1 million max. per yr.
• Doc visits, Rx and preventive coverage (also Rx-edo card included)
• TelaDoc unlimited & no per usage charge included with every plan (except child only)
• Multiplan (PHCS) network is complimentary but not required to use (they submit claim)
• Karis 360 (#1 bill negotiator and patient advocate company) included
• Surgical Schedule is 300% of Medicare schedule for surgery
• Optional GAP plan pays for routine maternity delivery in a hospital
• Type 2 non- insulin Diabetics accepted

An exclusive line of products that focuses on Seniors

This series includes five robust products designed to provide supplemental coverage for Seniors. Contact Tessa at 800-544-8250 to learn more.

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