Gap & Cash-Benefit Protection Plans

Affordable Choice is a powerful, comprehensive healthcare solution perfect for individuals and 1099 contractors who have been priced out of the major medical marketplace. Instead of forcing you to meet a massive deductible first, this plan pays fixed cash benefits starting on day one for a little bit of everything—giving you practical security in an unstable healthcare environment.

• First-dollar coverage: No deductibles or coinsurance.
• Covers everyday care: Pays cash for doctor visits, labs, imaging, and prescriptions.
• Major event protection: Includes robust hospital confinement, ER, and surgery benefits.
• Total freedom: No network restrictions, but includes access to First Health/MultiPlan for provider discounts.

Hospital Indemnity Select pays a fixed daily cash benefit for each day you're confined to a hospital—including ICU stays and surgical admissions. For self-employed workers without paid sick leave, this plan helps replace the income you lose when you can't work.

• Daily cash benefit for inpatient hospitalization.
• Enhanced ICU and intensive care daily benefit.
• Surgical and anesthesia benefit included.
• Benefits are paid directly to you, regardless of any other insurance you carry.

This plan is purpose-built to cover the cost-sharing gap that high-deductible health plans leave behind. When your major medical deductible kicks in, this plan pays cash to help you cover what your insurance won't—keeping your savings intact.

• Covers deductible exposure on high-deductible health plans.
• Coinsurance and copay assistance benefits.
• Pairs seamlessly with ACA marketplace and HSA-eligible plans.
• Cash is paid directly to you to use for any expense.

For independent contractors and tradespeople, an accident can mean lost income, medical bills, and business disruption all at once. This plan pays cash benefits for covered accidental injuries—from emergency room visits to fractures, dislocations, and follow-up care.

• Emergency room and urgent care visit benefits.
• Fracture, dislocation, and laceration benefits.
• Ambulance and transportation benefit.
• Physical therapy and rehabilitation coverage.

Cancer Plus goes beyond a one-time diagnosis benefit—it provides ongoing cash payments throughout your treatment, covering chemotherapy, radiation, surgery, and hospital stays. Designed for the full financial reality of cancer, not just the first day.

• Initial diagnosis benefit paid at first confirmed diagnosis.
• Chemotherapy and radiation treatment benefits.
• Surgical and anesthesia benefit for cancer-related procedures.
• Covers internal cancers and skin cancers.

A heart attack or stroke doesn't just put you in the hospital; it immediately stops your ability to work and run your business. This plan pays a massive lump-sum cash benefit the moment you are diagnosed with a major critical illness, giving you immediate financial liquidity to survive the crisis.

• First Occurrence Benefit: A large lump-sum cash payment paid directly to you upon diagnosis.
• Covers major health events: Heart attack, stroke, major organ transplant, end-stage renal failure, and severe burns.
• Monthly Income Support: Pays an additional 10% of your lump sum every month for 12 months to replace lost income while you recover.
• Total control: No restrictions—use the cash to pay medical bills or keep your business running.

A cancer diagnosis brings enormous financial strain. This plan pays a single, large lump-sum cash benefit directly to you the moment you receive a covered internal cancer diagnosis.

• Lump-sum cash benefit paid directly to you at first diagnosis.
• No restrictions on how you use the money.
• Helps cover out-of-pocket medical costs, travel, or replace lost business income.
• Guaranteed renewable coverage.

For 1099 contractors and business owners, there is no employer disability plan to fall back on. Disability Income Protection replaces a portion of your monthly income if a covered illness or injury prevents you from working—keeping your household and business afloat.

• Monthly income benefit if you are unable to work.
• Short-term and long-term benefit periods available.
• Covers both illness and accidental injury.
• Benefits are generally income-tax-free on individual policies.

This bundles three essential routine care benefits into one affordable plan. Individual and family coverage is available with no employer sponsorship required—ideal for self-employed workers who need to cover the whole family.

• Preventive dental: cleanings and exams covered at 100%.
• Basic and major dental: fillings, crowns, and root canals.
• Vision: annual eye exams, frames, and contact lens allowance.
• Hearing: exams and hearing aid benefits.

Provides the financial support you need to recover comfortably at home, covering home health aides, skilled nursing, and daily assistance so you don't drain your savings.

• Home health aide and skilled nursing benefits.
• Daily assistance and personal care coverage.
• Helps preserve savings during recovery.
• Cash benefits paid directly to you.

Flexible, limited-duration facility or home care benefits designed for seniors who need recovery support but may not qualify for standard long-term care.

• Facility and home care benefit options.
• Designed for seniors who don't qualify for long-term care.
• Flexible benefit periods to match your needs.
• Affordable premiums with no employer required.