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Can Health Benefit Insurance Add Protection for Your Family?

Major medical insurance is the best way to protect your family, but you may be stuck with high out-of-pocket costs. Health benefit insurance (HBI) can add an extra layer of financial protection to keep your money in your hands. HBI plans work by combining many features such as critical illness, accident medical, and other benefits to create a quality supplemental insurance that works to keep your finances protected.

Health Benefit Insurance may be the right choice if:

  • You have a waiting period before you can enroll in an employer group major medical health insurance plan
  • You are outside of open enrollment and do not have a qualifying event
  • Your major medical health insurance deductibles are unaffordable
  • You would like to supplement your traditional health insurance plan to avoid costs

Join the smart shoppers who have decided to get an HBI plan and protect yourself from the financial costs of an unexpected injury or illness.

How Are Health Benefit Insurance Plans Different Than Major Medical Insurance Such as a Short Term Health Insurance Plan?

First Dollar Coverage

HBI plans will pay a fixed-cash benefit for covered accidents or sickness. Major medical plans use a model that covers more health situations. Obamacare, for example, will cover pre-existing conditions, while short term health insurance will cover many conditions that occur after the effective date of your insurance plan. Major medical has higher dollar protection but often requires you to pay thousands of dollars out of pocket before the plan pays anything. In 2017, the average deductible for an Obamacare Bronze Level plan is over $6,000.*

Low Cost

HBI plans can cost as little as $39.95 per month.

Additional Services

HBI plans often include benefits such as telemedicine and pharmacy discount plans to allow you to better control your health spending.

Can I Purchase Health Benefit Insurance If I Already Have a Major Medical Health Plan?

Yes, in fact we encourage it. HBI plans can be a great supplement to any traditional health insurance product. HBI plans included fixed indemnity benefits that pay out a specified sum in cases of critical illness or accident. Some plans also include hospital and doctor benefits. Click below and see if health benefit insurance is right for you.

* HealthPocket research report, “Aging Consumers without Subsidies Hit Hardest by 2017 Obamacare Premium & Deductible Spike.” 10/26/16 (https://www.healthpocket.com/healthcare-research/infostat/2017-obamacare-premiums-deductibles#.WVU1E2jyuM8).

Health Benefit Insurance is not major medical insurance. Health Benefit Insurance is designed to make cash payments to the insured in the event of a covered incident. It does not cover pre-existing conditions, and does not meet the minimum essential coverage under the Affordable Care Act. If you do not have an ACA health plan, you may be subject to the ACA's Shared Responsibility Tax. To learn more about the tax, its exemptions, see here.