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Knowledge is Power

and the Consumer is King


We'll design the perfect health plan to assist you in reforming your own healthcare

Defined Benefits Health Plan Features

  • You Choose Calendar Year Coverage

  • You Choose Benefit Level

  • You Choose Your Hospital Deductible

  • No Deductible, Copay, or Coinsurance on any Outpatient Benefits

  •  No Deductible, Copay, Coinsurance on all Outpatient Benefits

  •  Guaranteed Renewal to Age 65 -No need to shop every year

  • Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K 

  • Annual Premium Increases typically 3% or less 

  • Available for Individuals and Groups 

Consumer Driven Health Plan Benefits

Benefits featured are based on 2 units of HCP Gold and are available with select plans.


Doctor Visits & RX Benefits - NO copays, deductibles, coinsurance!

  • Go to any Dr. or Hospital you choose

  • Pays $160 for (20) visits per Insured annually

  • Pays $200 for (2) Specialists visits annually

  • Pays $30 for generic and $60 for name brand RXs


Preventative Benefits - NO copays, deductibles, coinsurance!


  • Benefit starts 60 days after policy Effective Date

  • Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy

  • Pays Additional $250 for other Preventative Services per calendar year

  • Optional 100% coverage (recommended for childbearing aged women and children needing wellness visit).


Surgery Benefit - NO copay, deductibles, coinsurance!


  • Outpatient & Inpatient Surgeries

  • Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia

  • Pays 3x Medicare basis toward surgeons, asst. surgeons, and anesthesiologist


Hospital Inpatient Benefit​ - Per 24 Hours

  • ​Hospital per day benefit of $4,500 to $6,750 per day for standard room

  • Hospital ICU benefit up to $6,750 to $7,500 per day

  • Optional First Hospital Admission $6,350 Lump Sum


Accident & Emergency Benefit - NO copay, deductibles, coinsurance!

  • ​Pays $400 for Urgent Care and $800 for ER Care 2x per year

  • Pays up to $4K of Actual Expenses for up to 45 days from the Accident date

  • Ambulance air or ground pays up to $10K with accident coverage


Catastrophic Benefits

  • Lump Sum Paid upon diagnosis up to $30K per Adult and $10K per child. Ask us for list of covered diseases

  • Pays up to $500K additional per calendar year. Ask us for list of covered diseased and events.

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