Rates are similar across state lines

No referrals needed for specialist
No HMO or limited regional access
No government tracking or regulations
Over 1.5 million providers nationwide

CHALLENGE!

1- Watch the video above or click here
2- Gain truth and understand the policies and the facts
3- Take the deep dive, read below and get smart

In 1978, America had the best healthcare in the world and 95% of employees used indemnity health insurance plans. Find out how the law change in healthcare affects you and employers of any size, how individuals use their plans to reduce monthly costs dramatically while enjoying greater national access to affordable healthcare providers.

Your Knowledge Is Your Power & Wealth

$18,000 lower cost annually for a family, $5,000 lower for a single person and $4,000 per employee in an employer group, see details below.

Before we explain how to use an indemnity health insurance plan, it is important that you know the facts surrounding the health insurance marketplace and your lower costs going forward:

A Persons Indemnity Plan Coverage is Like Having $1 Million in a Bank Account Each Year Just for Their Healthcare Expenses

1- Roughly 1% to 2% of Americans will experience a single health insurance claim exceeding $1 million at some point during their lifetime
2- ACA/Obamacare mandates are outdated and have created The Federal Welfare/High Risk Pool. The most overpriced Federally overfunded tax subsidized healthcare system in the world according to DOGE. The ACA mandates are no longer valid on American companies and individuals and are now obsolete because of new Federal Laws
3- Generally claims at $1 million or higher place a person for disability
4- Indemnity plans cover $1 million a year for each person on the plan
5- Because 98 to 99% of Americans will never have medical claims over $1 million in a year, an indemnity plan could be right for you, your peace of mind and an effective tool to increase your discretionary cash. Below for a single adult or family we demonstrate monthly average premiums which can vary slightly per state:

For Single Adults:

ACA Marketplace cost per month for a single adult at 45 years old is $687, providing limited access and no ownership

Indemnity Plan cost per month $261, 100% ownership a difference of $426 per month, access to 1.6 million providers
*If your spouses employer is paying 74% of their plans premium then their health insurance should be free and adding you and children would become a minor monthly expense out of their paycheck

For Families:

ACA Marketplace cost per month for a family is $2,250, in 2026, for a standard silver health insurance plan that covers only 70% of your total healthcare costs after a $5,300 deductible on an individual and 2x that on a family plan, while you pay the remaining 30% with limitations on medical providers, no ownership, discretion and autonomy, fully controlled by an HMO and in some cases a limited PPO network

Indemnity Plan cost per month is $750, lower than the average monthly car payment in America and over 1.5 million medical providers nationwide, providing full ownership, autonomy and annual savings of $18,000

Key Notes:

• If you are getting health insurance from your spouses employer, your spouse can change to an Indemnity Plan with your premiums list billed to their employer and have his/her portions if any, deducted through their payroll department.
  
  

• Indemnity Plans are 100% portable in the event of a loss or change of employment, there is no need for COBRA administration if one leaves their employer

How to use a Comprehensive Medical Indemnity Hospital Surgical Plan

1- On the back of your insurance card look for the PPO Network that is affiliated with your plan (i.e. Aetna, First Health, etc.) this is the Network that your medical bills will be sent to for payment from your doctor, medical provider or hospital, remember there are more than 1.5 million providers available to you in your national PPO network
2- Although not necessary, stay in your PPO when possible, don't worry if your provider isn't in the PPO network, your plan will still pay your medical bills

Comprehensive Coverages paid by an Elite Indemnity Medical Plan

1- The plan pays $3,000 for the first day in any year that you are admitted to a hospital
2- The plan pays $6,000 every day that you are in the hospital, this amount increase by 25% up to $12,000 per night at year 5 

FACT: The sticker price or charge master price in the US per day in the hospital is $3,000 before adjustments, If the sticker price charge is reduced from $3,000 to $1,500 the indemnity plan has to pay you the remaining $4,500

Hospital Observation Benefits
1-  $3,000 for the first 24-47 hours in an Observation Unit
2-  $4,500 for 48 hours or more (maximum benefit: $1 million per year)

Emergency Room

This coverage pays $300 for 2 visits per calendar year
Because you own your policy, we recommend that you only use this benefit in life threatening situations

Urgent Care

This coverage pays $300 for 4 visits per calendar year
FACT: A standard urgent care visit typically costs between $125 and $300, with a national average of about $180

Surgery Benefit

$50,000 per year, three times the scheduled amount for inpatient and outpatient
"3x's the scheduled amount of surgery" means that the gross billed charge (the sticker price) submitted by the hospital or surgeon is three times higher than the insurance plan's official fee schedule
*The total sticker price billed to your insurance company for a standard, mid-range surgery (such as a gallbladder removal or hernia repair) generally ranges between $7,000 and $20,000.
FACT: The average PPO discount from the First Health Network typically ranges from 30% to 50% off the standard provider-billed charges

Ambulatory Surgical Benefit

The ambulatory surgical center (facility) benefit pays a fixed rate of $3,000 per day, this amount is paid for outpatient facility charges in addition to the separate surgical schedule and anesthesia benefits

*Daily Assistant Surgeon Benefit pays 20% of eligible surgical benefit

FACT: An assistant surgeon usually receives 16% of the primary surgeon's eligible surgical benefit or allowable amount

*Daily Anesthesiologist Benefit pays 25% of the eligible surgical benefit

FACT: For an average, routine surgical procedure lasting 1 to 2 hours, an anesthesiologist makes an estimated $300 to $800 in personal revenue

Doctor's Office Visit with Rollover 

Elite Plus Plan pays $200 for 10x doctor office visits per year, the rollover provision allows a 5x visit carryover per policy year

FACT: High cost-of-living areas push routine visits toward the higher end, averaging around $137 to $200 for basic care

Prescription Benefit

$75 per day with a $750 per year maximum

Outpatient Medical Benefits Pay $8,000 Per Year

Preventative Services per service included: Colonoscopy, Pap, PSA

Laboratory Services included per day: Surgical Pathology, Other Laboratory Services

Therapy Services per day: Physical, Occupational, Speech)

Radiology Services per day: MRI/PET Scan/CT Scan/Mammogram/Other Radiology Tests

FACT: An in-person wellness visit or annual physical exam without insurance typically costs $150 to $400, with a national average of around $171 to $400 depending on the complexity of the exam

Ground and Air Ambulance Coverages

Limit of 2x daily benefits per calendar year per category below for all ambulance transportation

Ground Ambulance Coverage is $150

Air Ambulance Coverage is $1,500

Cancer Benefit

Pays for Radiation, Chemotherapy and Immunotherapy

(per day/40 days per calendar year) $2,000 per treatment

Special Considerations

The Cancer Benefit may not be available in all states and a specified cancer policy may be available

Impatient Hospital Confinement/Building Benefit Reimbursement limit is $1,000,000 per calendar year

Lifetime Maximum Limit is $5,000,000