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for health and life Insurance!
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Or call today!

Health (Hospital-Surgical) Defined Benefit Indemnity Plans

Defined Benefit Indemnity Plans

These plans are alternatives for those who are concerned about the cost of ACA plans, desire a lower-cost insured plan, are not eligible for large tax subsidies (also known as advance premium tax credits), want to know how much their healthcare services will cost them before obtaining services, and do not want a short-term health insurance plan.

What Are The Benefits Of Health Indemnity Plans?

In today's market where health insurance is often unavailable or not affordable, a Health (Hospital-Surgical) Defined Benefit Indemnity plan can help families budget and pay for health care expenditures. By providing a choice between different levels of hospital, medical and outpatient coverage, individuals and families can choose a plan according to their health care needs. We offer plans available through Philadelphia American and National General Accident and Health. These plans have a 12-month pre-existing conditions clause, are medically underwritten, and an individual must successfully answer health questions to qualify. National General has a guarantee issue plan as one of four available alternatives; while this plan has a 12-month pre-existing conditions clause, there are no medical questions that must be successfully answered to qualify.)

{Note: these are not major medical plans and are referred to as Limited Benefit plans. They do not comply with the Affordable Care Act (for example they do not include all the minimum essential benefits) and were subject to tax penalties until those penalties were eliminated January 1, 2019.}

Philadelphia American offers two basic plans, depending on the state. Eligibility for these plans is based on medical underwriting and not all those who apply will be eligible for coverage. The plans have a 12-month pre-existing condition limitation, and pre-existing conditions are not covered until the policy has been in effect for 12 consecutive months.

Health Saver Plus Gold Edition offers the most benefit-rich plan and has these unique features:

  • $5,000,000 lifetime maximum per policy
  • Choice of calendar year deductible options
  • Three annual benefit maximums to select from
  • Three benefit options to pick
  • Use any doctor or hospital you choose without penalty
  • Additional savings available through the PHCS Network
  • Optional critical illness rider or policy
  • See brochure for additional value-added services

Health Choice Select is an affordable solution to traditional insurance and has these features:

  • $5,000,000 lifetime maximum per policy
  • First day hospital confinement reduction option
  • Three annual maximum benefit amounts to select from
  • Three benefit options to pick
  • Use any doctor or hospital you choose without penalty
  • Additional savings available through the PHCS Network
  • See brochure for additional value-added services

You can locate providers who are in the PHCS network used by these plans by clicking here. Enter as a guest and follow the instructions to find providers.


National General Accident and Health provides the Access program which offers a choice of three alternative underwritten plans—Value, Fundamentals, and Enhanced—as well as a Guaranteed Issue plan which does not require medical underwriting. Pre-existing conditions are not covered under any of the four alternative plans for 12 months. This plan gives you an affordable and predictable way to get the health care you need now for things such as checkups, prescriptions, lab tests, and more. There are no deductibles or copays to satisfy. This plan pays set dollar amounts when you receive covered services. Any costs that exceed the benefit amount are the customer’s responsibility.

A unique feature of this program is that select benefits will increase with each consecutive year for up to three years. You can apply at any time during the year and the plan is auto-renewable, so you don’t have to re-enroll.

All four plans in this program use the same network through First Health and you can locate providers here.


2022 Schedule
Affordable Care Act Open Enrollment

Open enrollment for 2022 ACA plans runs from November 1, 2020 through January 15, 2022 on the federal facilitated marketplace.
You do not need to have a “qualifying life event”
to qualify during open enrollment.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2022 Schedule
Medicare Annual Enrollment Period

Medicare Annual Enrollment begins October 15, 2021 and
ends December 7, 2021 for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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