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. They pay out fixed amounts for things like daily hospital expenses, physician office visits, labs, etc.

From the plan's perspective, they do not care what is wrong with you, where you go for treatment, what treatment you receive or how much it costs. They pay what they pay according to a pre-announced schedule.

For example, a plan might pay out $2,000 a day for a hospital stay or $100 for a physician office 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 an alternative.

Plan Choices - We offer a number of different plans. Not all of them are available in each state.

Some of these plans have actual co-pays for office visits, others pay out higher amounts on the hospital side but less on office visits.

I have included links and downloadable brochures for each plan. Feel free to call me if you need some help sorting all of this out. It can be very confusing.

The Most Benefit for the Lowest Cost We sell a number of different guaranteed issue plans. Each one has some unique feature that separates it from the others. This plan offers a higher payout in the first week of hospitalization than any of my other plans. Our web site does not have all of the plans we offer. I strongly suggest you give me a call so I can send you the latest brochure and pricing. There are new plans all the time and the healthcare bill is forcing changes in the plan benefits. You can contact us directly at 800-272-0512

One of the most extensive plans we offer is the NowCare plan. If you have had continuous coverage without a break of more than 63 days, this plan will also cover pre-existing conditions from day one. Otherwise, like most plans, there is a 12 month wait. Highlights: - Fixed surgical payout - Large hospital and doctor visit reimbursement - Multiplan PPO Network - Pays full amount regardless of what you spend - Covers maternity with no waiting period - Includes unlimited, 24 hour physician calls - Includes the Compass Advocacy program (they will find you lowest cost providers) These plans are available in all states EXCEPT: AK, CA, CT, FL, KS, ME, MD, MA, MN, MT, NV, NH, NJ, NY, OH, OR, PR, SD, UT, VT, WA Use this NowCare Guaranteed Issue Health plan Link to view the plans. Or, you can download a brochure with an application by using this link; NowCare Brochure

The NowCare is a great plan. But, if you live in Florida or Ohio, you cannot purchase it. To take its place, we have the SmartCare plan. By the way, this plan is available in many more states. This plan has a lot of unique benefits that other plans do not have. For example, this plan pays up to $1,000 for MRI, CT Scan, etc. This will not be found in any other product. It also offers a higher daily hospital benefit and a number of other benefits too numerous to mention. I suggest you click on this link and download the brochure, look it over and give me a call. You can apply for it directly online: - Click on this link: SmartCare Enrollment - Scroll down the page until you see the SmartCare plans and use the Enroll Now button. Or just call me and I will enroll you. It takes about 5 minutes. - You can also use the application in the back of the brochure and fax it to me at 775-254-2881.

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

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.

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)