Explore Your Coverage Options
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Surety Health Exchange can help you review a comprehensive individual or family option and understand its benefits, limitations, and costs...
Surety Health Exchange can help you review a comprehensive individual or family option and understand its benefits, limitations, and costs...
Current monthly rates for a comprehensive Elite Plan for individuals:
Current monthly rates for a comprehensive Elite Plan for individuals:
• Ages 18–29: $132.00
• Ages 18–29: $132.00
• Ages 30–39: $166.00
• Ages 30–39: $166.00
• Ages 40–49: $198.00
• Ages 40–49: $198.00
• Ages 50–64: $281.00
• Ages 50–64: $281.00
Options are also shown for spouses, children, families, along with other options...
Options are also shown for spouses, children, families, along with other options...
A licensed agent will explain:
A licensed agent will explain:
• The comprehensive plan and PPO Network
• The comprehensive plan and PPO Network
• Eligibility and minimal medical-underwriting requirements
• Eligibility and minimal medical-underwriting requirements
• Coverages that are better for American's and remain affordable
• Coverages that are better for American's and remain affordable
There is no obligation to request information.Rates shown are illustrative and are not a quote or guarantee of coverage. Actual rates and availability may vary based on age, state, household category, plan selection, eligibility, underwriting, and applicable policy terms. Review the policy’s benefit schedule, exclusions, limitations, and required disclosures before enrolling.
How fee for service coverage works, why they cost less and may be better for you...
How fee for service coverage works, why they cost less and may be better for you...
The policy pays medical providers through National PPO Network. Any amounts left over are sent directly to the policyholder.
The policy pays medical providers through National PPO Network. Any amounts left over are sent directly to the policyholder.
These policies pay for comprehensive medical procedures:
These policies pay for comprehensive medical procedures:
• Hospital admission first day between
• Hospital admission first day between
• Physicians, urgent care centers and emergency room visits
• Physicians, urgent care centers and emergency room visits
• Surgery and related services
• Surgery and related services
• Diagnostic, laboratory, or radiology services
• Diagnostic, laboratory, or radiology services
• Ambulance services
• Ambulance services
• Prescription benefits
• Prescription benefits
• Specified-disease benefits, chemotherapy/radiation in most States
• Specified-disease benefits, chemotherapy/radiation in most States
Maximum lifetime limit on all plans is $5,000,000.
Maximum lifetime limit on all plans is $5,000,000.
Primary Purpose:
How Benefits Are Calculated:
Your Financial Responsibility:
Federal Consumer Protections:
Eligibility:
Indemnity Health Insurance Coverage
Indemnity Health Insurance Coverage
Pays a set dollar amount for covered events or services and is 50-60% less in price
Payments are based on covered services, negotiated or allowed amounts
You remain responsible for premiums
100% Policy Ownership that builds equity over time with Federal protections that apply to comprehensive health insurance
Medical underwriting and some exclusions may apply for 1 year
Comprehensive Health Insurance Coverage
Comprehensive Health Insurance Coverage
Provides broad medical coverage under the plan’s terms
Payments are based on covered services, negotiated or allowed amounts, and cost-sharing rules
You remain responsible for premiums and applicable deductibles, copayments, coinsurance, and noncovered services
Generally subject to applicable Federal and state health-insurance protections
ACA-compliant individual coverage cannot deny enrollment or exclude coverage because of a preexisting condition
Before enrolling, review the policy, outline of coverage, benefit schedule, exclusions, limitations, and all required state and federal notices.
Frequently Asked Questions
Is this health insurance?
Is this health insurance?
No. This is a fixed-indemnity policy, not comprehensive health insurance. It pays limited, predetermined dollar amounts for covered events or services and is not a substitute for comprehensive health insurance.
Will the policy pay my entire medical bill?
Will the policy pay my entire medical bill?
Not necessarily. Benefits are based on the policy schedule and are not based on the size of your medical bill. You remain responsible for the cost of care.
Are rates the same in every state?
Are rates the same in every state?
No promise should be made that rates are the same or similar across states. Availability and rates may vary by state, age, household category, plan level, eligibility, underwriting, and policy terms.
Does everyone qualify?
Does everyone qualify?
No. Eligibility and medical underwriting may apply. A licensed agent can explain the requirements for the options available in your state, but coverage is not effective unless and until issued by the insurer.
Can I use any medical provider?
Can I use any medical provider?
Provider access, network arrangements, and discounts—if included—depend on the specific plan and state. Always verify a provider’s current participation and understand that network access does not change the policy’s fixed-dollar benefit schedule.
What should I receive before applying?
What should I receive before applying?
Ask for the name of the issuing insurer, the exact premium quote, outline of coverage, fixed-benefit schedule, exclusions, limitations, maximums, underwriting requirements, provider-network information if applicable, and all required state and federal notices.
Can this replace comprehensive individual or group health insurance?
Can this replace comprehensive individual or group health insurance?
This policy is not a substitute for comprehensive health insurance. To explore comprehensive coverage, visit HealthCare.gov, contact your employer or a family member’s employer, or speak with a licensed agent who is authorized to discuss those options.
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