Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Health Insurance Information
Fixed Benefit Health & Income Protection Plan Highlights
(Indemnity Benefit Insurance)
$5,000,000 Lifetime Maximum per policy
Customize a plan to fit your healthcare and budget needs (Value, Plus, Preferred benefit plans)
Use any Doctor or Hospital of your choice without penalty
NO Deductible, Copay, Coinsurance on all Outpatient Benefits
Healthcare costs that are SIMPLE, TRANSPARENT, & AFFORDABLE
Healthcare PALs Team: Dedicated and focused on guiding you to smart healthcare management
Maximize Your Benefits with additional Financial Protection
Serving Self Employed (1099) Business Owners, Small Business Owners, Individuals and Families
Consumer Driven Health Plan Benefits
Our goal is to provide you simple, transparent and affordable healthcare in today's world where rapidly rising premiums, and unpredictable provider charges, makes healthcare confusing and financially difficult to manage.
Why choose a costly traditional "one size fits all" insurance policy when you can customize a plan that meets the expectations of medical needs for you and your family?
The consumer is in charge of their healthcare spending dollars and rewards consumers who practice smart healthcare management. No matter what the provider, doctor, or facility charges, your insurance benefits for covered services remain the same. Therefore, a dedicated consumer could receive excess benefit dollars directly in their pocket!
Customize a plan that fits your family's budget and healthcare needs today!
Benefits featured are based on 2 units of HCP Gold and are available with select plans.
Doctor Visits & Pharmacy Benefit
Choose from any licensed Physician nationwide coverage (or PHCS Network)
No Deductibles or Copays up to 20 visits per calendar year (6 Chiropractor, 2 Specialist)
Generic and Brand Name Drugs (Scriptsave & WellRX discount card or App) - Accepted at over 62,000 Pharmacies
Patient Advocacy/Concierge-style service (Karis 360)
24/365 quality health care professionals via web, phone, or mobile (TelaDoc) - Free and Unlimited
(Let us assist you to maximize your benefits)
Preventative Wellness Care Benefit
Coverage starts 60 days after the Effective Date of each Insured person
Mammograms and Colonoscopy
Preventative Care Services
MRI, Labs, X-rays, or Other Diagnostic Testing
Inpatient Pathology/Radiology (per procedure/provider location)
(Let us assist you to maximize your benefits)
Surgery Benefit
Outpatient & Inpatient Surgeries
Outpatient surgical facility
Anesthesia and Surgeons
(Let us assist you to maximize your benefits)
Hospital Inpatient Benefit
Injury and Sickness 24-hours or more (Deductible on Hospital Admission & Benefit)
ICU up to 20 days per calendar year
Mental Health, Alcohol and/or Substance Abuse Dependency
Rehabilitation or a Skilled Nursing Facilities
Outpatient Radiation Therapy, Chemotherapy & Immunotherapy
(Let us assist you to maximize your benefits)
Renewability - guaranteed renewable to age 65. Premium rates are subject to change. Pre-existing Condition Limitation, Exclusion & Limitations. Benefits and availability may vary by state.
For more information about policy/plan benefits and limitations, please refer to the outline of coverage or policy as approved in your state.
Please refer to your policy for definitions and all other exclusions and limitations.
Enhanced 24 Hour Accident Benefits
Urgent Care or ER visits up to 2 per calendar year
Ambulance air or ground up to 2 per calendar year
$2,000 or $4,000 of Coverage Per Insured/Accident (up to 45 days from accident date)
Pays in addition to any other insurance
Guaranteed renewable to Age 80
$50,000 or $100,000 of Accidental Death Benefit
Dismemberment Benefits
Hospital Income Benefit
WORLDWIDE PROTECTION
(Let us assist you to maximize your benefits)
Accident Expense / Critical Illness / Specified Disease Benefits
$2,000,000 in Lifetime Maximum Benefit, $250K-$1M maximum per calendar year
Up to $50K per Adult & $10K per child upon diagnosis: Internal Cancer, Stroke, Heart Attack, End Stage Renal Failure
Coronary Artery Bypass Surgery, Joint Replacement, Amputation, Organ Transplant ($100K lifetime maximum per insured)
(Let us assist you to maximize your benefits)
CONTACT US TODAY ABOUT OUR HEALTH AND INCOME PROTECTION PLANS