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for health and life Insurance!
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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, want to know how much their healthcare services will cost them before obtaining services, and desire an insured plan as an alternative to what is called Health Care or Medical Cost Sharing.

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.

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

Depending on the state, two basic plans are offered. Health Choice Select has recently been made available in some states (e.g. Florida), and major elements of the plan are outlined below. Health Saver Plus III is a different version that has been approved in a number of states, and in some states both versions are available. Contact us at 877-734-3884 for product availability and details.

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.

Major features of Health Choice Select include:

  • $5,000.000 Lifetime Maximum per policy
  • Three Annual Maximum Benefit Amounts to choose from ($100,000; $250,000 or $1.000,000)
  • Three Benefit Options (benefits can be purchased in either 1, 2 or 3 units)
  • Choice of four First Day Hospital Confinement percentages (from 20% to 100%)
  • Use any Doctor or Hospital you choose without penalty
  • For additional savings the PHCS network is available at no additional cost
  • TelaDoc™ provides a convenient alternative to Urgent Care or ER visits
  • The ScriptSave card is provided at no cost to help you save money on prescriptions
  • Optional supplemental products are available.

The value-added benefits listed below are not part of the insurance policy. TelaDoc™, The Karis Group™, access to ScriptSave and the PHCS network are all value-added healthcare programs from other providers designed to save you money and enhance your healthcare experience without additional cost to you.


TelaDoc™ is a convenient alternative to urgent care and ER visits. U.S. board-certified physicians are available anytime, anywhere and can resolve many non-emergency medical issues via phone or on-line video and can also prescribe certain medications. Services are not available in Arkansas, and some states allow only phone OR video consultations.

Save By Taking Advantage Of The PPO Network Discounts

While you're free to use any Doctor or Hospital you choose without penalty, you have the option of accessing the Multiplan/PHCS Limited Benefit Network (note that PHCS has many different networks and this plan uses the PHCS Limited Benefit network) to take advantage of great savings at no additional cost. You'll have access to Doctors, Hospitals, Labs, Imaging Centers and Home Healthcare Centers at network discount prices. Contact us at 877-734-3884 for instructions for accessing Multiplan/PHCS providers.

You can locate providers who are in the Limited Benefits Network by clicking here. Enter as a guest and follow the instructions to find providers. Contact us at 877-734-3884 if you want help in finding accepting providers.

The Karis Group™: Advocating For Patients

Karis™360 gives you telephone access to a dedicated team of professional advisors to assist with healthcare-related questions and concerns.

Services include:

  • Healthcare Navigator (help in finding doctors and healthcare facilities, obtaining best-available pricing for procedures or help shop for better pricing on prescription drugs, imaging services or lab tests)
  • Karis™ Surgery Saver (the Karis™ team works to save money by shopping the local and regional market for healthcare facility options that combine affordability and quality services for a given non-emergency surgery)
  • Karis™ Bill Negotiator (available to negotiate discounts on medical bills over $2,500 after services are performed)
  • Concierge Phone Service (provides concierge-type patient advocacy service via a toll-free phone number. Upon receiving an inquiry via phone, the Karis™ team defines the issue, establishes mutual expectations, and fulfills the request)

Save on Brand-Name and Generic Prescriptions

The Script Save card is provided at NO cost to help you save money on your prescriptions. The card is accepted at over 62,000 participating pharmacies nationwide. Note: this is a discount card and is not insurance.


2020 Schedule
Affordable Care Act Open Enrollment

Open Enrollment began November 1, 2019 and ended December 15, 2019
on the federal facilitated marketplace for plans to start January 1, 2020.

Before the next open enrollment period starts you can only enroll
for an Affordable Care Act plan if you have a qualifying life event.

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

2020 Schedule
Medicare Annual Enrollment Period

Annual Enrollment began October 15, 2019
and ended December 7, 2019 for a January 1, 2020 enrollment.

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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