Indemnity Plans

$0 Deductible - No Medical Questions

Our defined benefit plans are completely guaranteed issue and 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 per visit. With the PPO discount, that will cover most office visit fees. Other plan designs have an actual co-pay and each office visit is only $20.

These plan offer a surprising amount of coverage. They cover a specified number of office visits, checkups,emergency room, prescriptions, labs and x-rays as well as a daily stipend for a hospital stay.

By utilizing the included PPO network arrangements, you get reasonable coverage for the majority of medical mishaps.

Although, I would prefer that you have full major medical coverage, some of you will not be able to obtain it or afford even if you could. These plans offer a reasonable alternative.

Plan Choices - Based on which state you live in

If you need a plan that will cover all pre-existing conditions even if you do not have prior coverage, then use our NPX series of plans. It even covers maternity expenses. Let me say it again, you do not need to have any prior coverage. Everything is covered as soon as the plan begins. These plans are available in all states EXCEPT: AK, CT, GA, KS, ME, MA, MN, MT, NV, NH, NJ, NY, NC, OR, PR, SD, UT, VT, WA Use this Homeland NPX Guaranteed Issue Healthplan Link to view the plans

If you live in Alabama,California, Florida, Georgia, North Carolina, Ohio, Tennessee, Texas or Virginia, we have a new plan that has excellent benefits including a REAL COPAY FOR OFFICE VISITS. I want to tell you right up front that this plan has a lot going for it. - Real Co-pays for office visits ($20) - Covers accident and sickness in emergency room up to $1,000 per visit - Plan includes a $10,000 term life policy - Very generous surgical schedule (higher than the other plans we offer) - "A" rated carrier with the BeechStreet PPO network - I cannot begin to list all the other features of this plan. Download the brochure. But, and there is always a "but" it does not cover hospital visits for pre-existing conditions for the first 12 months. The good news is that it will cover doctor visits for pre-existing conditions. It uses the BeechStreet PPO network. We will take the application for this plan directly over the phone. You just have to call and we do the rest. I have a nice brochure for the plan with lots of information, that you can see online by clicking on this link:. Guaranteed Issue Medical Plan

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 GetMed360 plan which costs $299 a month to any other similar plan. The differences are significant.

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. We also get many calls from individuals who cannot afford a conversion or similar plan from their state insurance pool.

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