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Introducing HealthShield—a comprehensive suite of insurance solutions assembled to serve as a shield of exposure protection, filling in the gaps in your major medical plans, such as Medicare, ACA Policies, Short Term Medical, or Group Health Insurance.
Think of HealthShield as umbrella coverage (protective shield) that not only helps cover out-of-pocket expenses and cost-sharing for high-tier specialized drugs following critical events like heart attacks, but also provides financial support for care that traditional plans might overlook—ranging from experimental cancer treatments and therapy co-pays to specialized procedures and even travel costs to and from hospitals for you, your family, or friends.
This added “shield” of protection ensures that when life presents its unexpected challenges, you can focus on recovery without the burden of unforeseen expenses.
HealthShield is crafted to bolster your primary insurance by addressing gaps and exposures that can otherwise lead to financial strain or delays in necessary care. While your major medical plan provides a strong baseline for routine and emergency care, it may fall short in covering advanced or specialized treatments.
With HealthShield, there is added support for out-of-pocket expenses and for care that might be excluded from standard coverage. The suite is organized by coverage type: beginning with Critical Illness Support (covering conditions such as cancer, heart attack, and stroke), followed by Hospital Indemnity, then Dental-Vision-Hearing, and finally Recovery Care.
This structured approach shields you from potential burdens so you and your loved ones can concentrate on getting the care you need.
This coverage is designed to offer a lump-sum benefit in the event of serious health conditions such as Cancer, Heart Attack, or Stroke.
The benefit can help ease the financial strain associated with high treatment costs, experimental therapies, specialized drug expenses, and additional care needs following a critical event.
Hospital stays can bring unexpected expenses, even if you have a robust primary plan. Hospital Indemnity provides a fixed cash benefit during an inpatient stay, diagnostic test, or procedure, helping to offset costs like deductibles, co-insurance, and other incidental non-medical expenses. This financial boost offers flexibility and reassurance so your focus remains on recovery.
Many times these policies can be integrated coverage to ensure that you and your family have access to comprehensive preventive and corrective care for dental, vision, and hearing needs.
By including routine examinations, diagnostic testing, and necessary treatments, this coverage plays a pivotal role in maintaining overall well-being and quality of life.
Recovery often extends well beyond the immediate treatment phase. Recovery Care is designed to support the post-treatment process by covering the costs associated with rehabilitation, home care services, and additional support necessary for a full recovery.
This benefit helps ensure a smoother transition back to everyday life by reducing the long-term financial burden.
Recognizing that individual needs and budgets vary, HealthShield is offered in three customizable levels. These plans are adaptable to pair with various major medical plans, including Medicare Advantage, Medigap, ACA policies, Group Coverage, or Short Term Medical policies.
Some products require underwriting, so it is recommended to begin the application process as soon as possible. Each Shield Plan is fully buildable and configurable, ensuring that coverage is tailored to your specific needs and budget.
Provides the most comprehensive coverage with higher benefit limits and a wide range of options to safeguard your financial and health interests.
Designed for balanced support, with robust coverage at a moderate premium, filling critical gaps while remaining covering the most high-risk exposures.
Offers essential protection at a lower price point, with coverage levels adjusted to deliver core benefits needed to deflect coverage gaps from the "Big 3" Cancer, Heart Attack, or Stroke.
HealthShield is a suite of supplemental products designed to fill the gaps left by your major medical plan. It not only helps cover out-of-pocket expenses but also provides a cash benefit so you can have access to specialized care—such as advanced treatments and experimental therapies which may not be covered under your medical plan. Additionally, the policies can help you with funds for unexpected expenses like hospital travel and providing some financial flexibility when unexpected health challenges arise.
The 3-Star Shield Plan offers the most complete coverage with higher benefit limits and is adaptable to a variety of primary plans. The 2-Star Shield Plan provides robust, balanced coverage at a moderate premium, while the 1-Star Shield Plan delivers essential protection at a more affordable rate. Each level scales coverage to fit your specific needs and budget.
A thorough review of your current insurance coverage can reveal any gaps. Based on your health care needs, financial considerations, and risk profile, an evaluation will identify the ideal combination of HealthShield products—starting with Critical Illness Support, followed by Hospital Indemnity, Dental-Vision-Hearing, and Recovery Care—to comprehensively enhance your protection.
Recovery Care focuses on the post-treatment phase by covering expenses related to rehabilitation, home care, and other additional services that facilitate a full recovery. This coverage helps ensure that the transition back to everyday life is supported both medically and financially.
Yes, certain products require underwriting. It is advisable to start the application process as early as possible to ensure timely and secure coverage.
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