Coverage types
Plans designed for everyday care.
Our agent partners offer limited medical, fixed indemnity, and supplemental coverage from licensed insurance carriers. Plans pay you predictable cash benefits for the medical services you use most.
What's typically covered
Benefits vary by plan — your specialist will walk through the exact numbers.
Doctor visits
Fixed copay or daily benefit for primary care visits and urgent care.
Prescriptions
Generic Rx covered on most plans; brand-name on higher tiers.
Hospitalization
Daily benefit toward hospital admissions and inpatient stays.
Emergency room
Fixed benefit per ER visit. Helps offset high ER costs.
Wellness & preventive
Annual physical, vaccines, screenings — often $0 out-of-pocket.
Telehealth
24/7 access to licensed doctors by phone or video. Included on most plans.
Important things to know
Limited medical is not ACA-qualified health insurance
These plans are fixed-indemnity benefits — they pay set dollar amounts for covered services. They are not major medical insurance and do not satisfy the ACA individual coverage requirement.
Pre-existing conditions may have waiting periods
Some carriers exclude pre-existing conditions for the first 6-12 months. Your specialist will explain how each plan handles this for your situation.
Coverage limits apply
Each benefit has a per-occurrence and annual cap. These plans are designed to offset everyday medical costs, not to fully cover catastrophic events.
You can use any doctor
Most plans pay you directly for covered services — no network restrictions. You see the doctor you want and submit the claim.
Coverage tiers
A typical plan example. Your match will include side-by-side comparison of multiple options.
Essential
$40–$60
per month, typical range
- Doctor visits
- Generic Rx
- ER & urgent care
- Wellness exam
Most popular
Plus
$70–$110
per month, typical range
- Everything in Essential
- Brand-name Rx
- Hospitalization
- Specialist visits
- Telehealth 24/7
Premier
$140–$220
per month, typical range
- Everything in Plus
- Higher daily hospital cap
- Dental + vision riders
- Accident coverage
Pricing is illustrative. Actual rates depend on your age, state, plan choice, and carrier. Your licensed specialist provides the final quote.
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