Health Coverage That Pays You Back
Coverage for doctor visits, specialists, testing, medication, hospitalization, and emergency care.
Coverage Options at a Glance
Starting rates shown. Get exact pricing tailored to your needs below.
HPG Select
Essential coverage for everyday healthcare needs
- ✓ Doctor and Specialists Coverage
- ✓ Routine and Preventive Care
- ✓ $2,000 Daily, Unlimited Hospitalization Benefit
- ✓ $500 Emergency Room Benefit
- ✓ Free Virtual Doctor Visits
- ✓ Free RX Card
HPG Preferred
Enhanced coverage with additional benefits
- ✓ Doctor and Specialists Coverage
- ✓ Routine and Preventive Care
- ✓ $3,000 Daily, Unlimited Hospitalization Benefit
- ✓ $500 Emergency Room Benefit
- ✓ Free Virtual Doctor Visits
- ✓ Free RX Card
HPG Premier
Comprehensive coverage for maximum protection
- ✓ Doctor and Specialists Coverage
- ✓ Routine and Preventive Care
- ✓ $5,000 Daily, Unlimited Hospitalization Benefit
- ✓ $1,000 Emergency Room Benefit
- ✓ Free Virtual Doctor Visits
- ✓ Free RX Card
*These are average prices. Your actual rate may vary based on your specific information. Enter your ZIP and age for personalized quotes.
Why Our Plans are Smarter
The Health History Advantage
We use your good health history to secure you better coverage at lower rates — something traditional insurers don't offer.
Free, NO Obligation
Real People, Real Results
Don't just take our word for it. See what our customers are saying about us.
Neil S.
Insurance Expert • Broker
"We're extremely knowledgeable and know the insurance business inside and out. Our team is very resourceful and committed to finding you the best coverage at affordable rates."
Jennie
Customer • Miami, FL
"Best service in town!! Neil is my go to for all insurance. When I needed to find affordable health coverage for my family, they found options that saved us over $200/month."
Caesar E.
Verified Review • 2 years ago
"His staff is easy to talk to and super easy to work with. They made the whole process simple and found me a plan that actually pays me when I see the doctor!"
A Better Approach to Medical Coverage
Find alternative plans to traditional health insurance with fixed indemnity benefits for all your health needs for sickness, illness and accidents. These plans provide straightforward coverage with set benefit amounts for all covered services.
Simple Quoting Process, Easy Enrollment Application, Start Coverage as Soon as Tomorrow
Key Benefits
Our plans offer exceptional value with these standout benefits
Wellness
Preventive care, annual physicals and checkups to help you stay healthy and detect issues early on.
Doctor Visits
Coverage for doctor visits, this includes urgent care, offices and any medical clinics with no referrals needed.
Prescription Drugs
Get benefits for generic and brand name prescription medications at participating pharmacies.
Outpatient Testing
Coverage for all diagnostic testing, any labs, and imaging services. Bloodwork, X-rays, CT scans, ultrasounds, etc.
Outpatient Surgery
Benefits for procedures and surgeries covered by the plan.
Inpatient Hospitalization
Fixed daily unlimited benefits for hospital stays, even ICU, and other related services.
FREE Telemedicine
24/7 unlimited virtual doctor access at zero cost. Receive medical advice, care, and prescriptions in minutes—all from your home, with no appointment needed.
No obligation, quick and easy