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No Waiting Periods for Most Services
No Deductibles
No Long-Term Contracts
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“Super easy. I didn’t even have to call anyone. Just picked the plan that worked.”
James R., Austin, TX
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Tanya M., Tampa, FL
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Starting rates shown. Get exact pricing tailored to your needs below.
Coverage Options at a Glance
HPG Select
$121.50
/month
*Average pricing, varies by age/location
Essential coverage for everyday healthcare needs
Doctor and Specialists Coverage
Routine and Preventive Care
$2,000 Daily, Unlimited Hospitalization Benefit
$500 Emergency Room Benefit
Free 24/7 Telemedicine
Enter your info for exact pricing:
*These are average prices. Your actual rate may vary based on your specific information. Enter your ZIP and age for personalized quotes.
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HPG Preferred
$143.65
/month
*Average pricing, varies by age/location
Enhanced coverage with additional benefits
⚡ Most Popular
Doctor and Specialists Coverage
Routine and Preventive Care
$3,000 Daily, Unlimited Hospitalization Benefit
$500 Emergency Room Benefit
Free 24/7 Telemedicine
Enter your info for exact pricing:
HPG Premier
$170.97
/month
*Average pricing, varies by age/location
Comprehensive coverage for maximum protection
Doctor and Specialists Coverage
Routine and Preventive Care
$5,000 Daily, Unlimited Hospitalization Benefit
$1000 Emergency Room Benefit
Free 24/7 Telemedicine
Enter your info for exact pricing:
Why Our Plans are Smarter
The Health History Advantage 📁
We use your good health history to secure you better coverage at lower rates, something traditional insurers don't offer.
Takes less than 30 seconds
Don't just take our word for it. See what our customers are saying about us.
Real People, Real Results
Verified Customer
"His staff is easy to talk to and super easy to work with. They made the whole process simple and found me a plan that actually pays me when I see the doctor!"
Caesar E.
Verified Review • 2 years ago
Google Review
Verified Customer
"Best service in town!! Neil is my go to for all insurance. When I needed to find affordable health coverage for my family, they found options that saved us over $200/month."
Jennie
Customer • Miami, FL
Family of 4
Agency Owner
"We're extremely knowledgeable and know the insurance business inside and out. Our team is very resourceful and committed to finding you the best coverage at affordable rates."
Neil S.
Insurance Expert • Broker
30+ years experience
A Better Approach to Medical Coverage 🎯
Find alternative plans to traditional health insurance with fixed indemnity benefits for all your health needs for sickness, illness and accidents. These plans provide straightforward coverage with set benefit amounts for all covered services.
Affordable Premiums
No Referrals Needed
Critical Illness Coverage
Accident Coverage
Get Started Today
Simple Quoting Process, Easy Enrollment Application, Start Coverage as Soon as Tomorrow
Takes less than 30 seconds
Our plans offer exceptional value with these standout benefits
Key Benefits
Wellness
Preventive care, annual physicals and checkups to help you stay healthy and detect issues early on.
Doctor Visits
Coverage for doctor visits, this includes urgent care, offices and any medical clinics with no referrals needed.
Prescription Drugs
Get benefits for generic and brand name prescription medications at participating pharmacies.
Outpatient Testing
Coverage for all diagnostic testing, any labs, and imaging services. Bloodwork, X-rays, CT scans, ultrasounds, etc.
Outpatient Surgery
Benefits for procedures and surgeries covered by the plan.
Inpatient Hospitalization
Fixed daily unlimited benefits for hospital stays, even ICU, and other related services.
FREE Telemedicine
24/7 unlimited virtual doctor access at zero cost. Receive medical advice, care, and prescriptions in minutes—all from your home, with no appointment needed.
Frequently Asked Questions
Takes less than 30 seconds
Our alternative health plans are not ACA-compliant and do not include all essential health benefits. Not available in all states.
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Indemnity insurance plans provide fixed-cash benefits when you receive covered services. Our plans include benefits for things like hospital stays, doctor visits, preventive care, and more.
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Yes! Each gift can include a personalized message.
Yes, we can ship to multiple addresses! Please contact us to arrange the details.
Please contact our sales team directly for assistance with large orders.
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