Coverage costs 70% less than ACA *
* Packaged health insurance plan options are not compliant with the Affordable Care Act.
Health insurance has gotten expensive.
But it isn't worth remaining uninsured.
Packaged health insurance plans like short term health insurance and accident protection are becoming popular ACA alternatives. With plans offering up to 6 months of ongoing coverage and no enrollment deadline, it’s no wonder people want it.
Plans have significantly lower premiums than major medical, but that’s mostly because they are medically underwritten and don’t have to cover essential health benefits like mental health and pregnancy.
57% of Americans have less than $1,000 in their savings accounts *. Packaged health insurance plans are designed to protect you from unexpected medical expenses. You can enroll today and have a policy in your name tomorrow. What are you waiting for?
* 2017 GOBankingRates survey.
Designed to cover major unexpected medical bills—short term medical plans were originally designed to cover temporary gaps in major medical coverage but now with renewable terms you can have consecutive coverage for up to 6 months.
The benefits of adding Health Protector Guard out-way the premiums. With copays for prescriptions and doctors visits to help protect you from out of pocket expenses. For example, Health Protector Guard gives you $100 for 5 doctors visits — wellness benefits that short term doesn't cover.
This is the most popular option. If you're purchasing a short term policy with the full intent of using it, you need incident specific coverage to supplement your policy. Standard coverage works for expected and unexpected medical expenses.
Complete coverage truly limits your exposure. These products have no coordination of benefits, so when you submit a claim you're reimbursed separately. Meaning you can get paid by the carrier a total of four separate ways.
These plans can be paired with a major medical plan, short term medical plan, or even stand alone. Whether you're looking to curb the costs of your high deductible health plan or just find ACA plans to be unaffordable — you have options:
An accident can happen anywhere, but the nearest treatment may be out of network. An accident plan can help cover out of network costs.
Hospital stays can be expensive. HPG covers expenses from a hospital stay, surgical services, ambulances, labs and x-rays to help lower your out-of-pocket costs- regardless of having health insurance.
Even with health insurance, a critical illness can be financially devastating. Having a critical illness plan can ease the financial strain of an unexpected diagnosis.
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We believe accessing benefits should be simple and fast. From quote to card, even your payments can be processed online. You can enroll in multiple benefits with a click of a button. Watch the video to see how it's done.
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