Affordable Health Coverage That Pays You Cash When You Need Care

No, this is not ACA-compliant major medical insurance. It's an affordable alternative that provides fixed cash benefits for covered medical services. You receive cash payments directly when you visit the doctor, go to the hospital, or receive outpatient care. It's designed for people who need basic coverage at an affordable price.

Yes! You can visit any licensed provider nationwide — your family doctor, specialists, urgent care, or any hospital. There are no network restrictions, no referrals required, and no in-network/out-of-network penalties. You have complete freedom to choose your healthcare.

Coverage can start as soon as tomorrow! Once you enroll and your first payment is processed, your benefits are active. There's no waiting period for most services, and you can enroll any day of the year — no open enrollment restrictions.

After you receive covered medical services, simply submit your claim documentation (receipt, invoice, or explanation of benefits). Once approved, your cash benefit is deposited directly to your bank account or mailed as a check. Most claims are processed within 5-7 business days.

It means you receive a predetermined cash amount for each covered service. For example: $100 per doctor visit, $500 per day in the hospital, $200 for outpatient surgery, etc. You know exactly what you'll receive, and you can use the cash however you need — to pay medical bills, cover lost wages, or handle other expenses.

Pre-existing condition policies vary by carrier and plan. Some plans have waiting periods or exclusions for conditions you had before enrolling. Our licensed agents will review your specific situation and help you find coverage that works best for your health history. Call us to discuss your needs.

Yes, you can cancel your coverage at any time with no penalties. Most plans are month-to-month, giving you complete flexibility. If your circumstances change or you find other coverage, simply contact us to cancel. No long-term commitment required.