Guaranteed Issue Health Insurance

$0 Deductible - No Medical Questions

Defined benefit plans are completely guaranteed issue and most are HIPAA qualified. They are cost effective alternatives for someone who cannot medically qualify for health insurance.

An indemnity plan utilizes a defined payment schedule for a wide variety of medical expenses. For example, one of our plans pays $2,000 for the first day in the hospital and $1,000 a day thereafter. For a physician office visit, it pays $100. With the PPO discount, that will cover most office visit fees.

Our indemnity plans are unique. Other limited benefit plans will tell you that they will pay out a fixed amount. However, if the actual bill is less, they will keep the difference. Our plans pay out the full amount regardless of any other insurance you may have.

For example, let's say the plan pays $100 for a doctor visit and the bill was $65. With our plans you would send in the bill and get the full $100. Do not think that all plans will pay you this way. We have learned the hard way.

The office visit feature works just like a copay - but better. The office calls the number on your PPO card and gives the network your id and their provider number. The physician is paid directly. Very often you pay nothing at all.

These plan offer a surprising amount of coverage. They cover a number of office visits, checkups, labs and x-rays as well as a good portion of a hospital stay.

By utilizing the included PPO network arrangements, you get reasonable coverage for the majority of medical mishaps. The plans are very cost effective and HIPAA qualified.

Although, we try to protect ourselves from the worst possible catastrophes, most of us will never spend more than a day or two in a hospital. An indemnity benefit plan will provide coverage for the daily hospital fees and surgery as well as routine physician visits, physicals and lab fees.

We offer different plans based on where you live. The plans are similar but have different carriers.

AWA SureCare As far as indemnity plans go, we think that for the money, the $279 a month AWA SureCare Platinum plan is the best value out there. It has features that more expensive plans do not have, it actually pays out the full indemnity amount and it uses a sophisticated electronic billing system that permits your physician to treat it just like a traditional major medical plan. If you want to view this plan, click on the AWA SureCare link just above. Their SureCare Plus is a little more money ($339) but has more doctor visits and an additional hospital coverage. I do not know of any other plan that will pay out more for a hospital stay. It is available in every state EXCEPT: CA, NY, NJ, CT, VT, MA, ME,OR, ID, KS, SD, MN, UT, OH

Homeland Platinum If you are in California, Nevada, New Hampshire or Ohio then we can offer you the Homeland AWA PPO Platinum plan. This plan has essentially all of the same benefits as the SureCare line and is slightly less expensive.

Why Do We Charge Less Money for Better Benefits Than Other Companies?

The answer is very simple:

- We do not let our agents set their own prices to obtain absurd commissions
- We do not have 5 levels of management who need to get "a piece of the action"
- We price the plans appropriately

Compare our SureCare Platinum plan which costs $279 a month to any other similar plan. The differences are significant. Plus, ours plans are HIPAA qualified. This means they are real health insurance.

We found one company offering a plan at well over $325 a month that we routinely sell for $175. One of their agents told me that they receive nearly $100 a month in commission for the plan. So, they decided to rip-off the consumer. We took the high road.

Who Should Consider an Indemnity Plan?

Since these plans are completely guaranteed issue, anyone who cannot medically qualify health insurance is a candidate. Furthermore, if you have had 12 months of prior coverage with no lapses of more than 63 days, pre-existing conditions will be covered. Otherwise, pre-existing conditions will be covered after 12 months.

Indemnity or Defined Benefit plans are a great option for someone who must have health insurance and cannot obtain it due to medical problems.

Call us at 800-272-0512 (9 AM to 9 PM EST)