Private Insurance Products

  • Limited Medical Fixed Indemnity Insurance offers a valuable and affordable alternative to traditional major medical plans. These plans provide guaranteed, fixed cash benefits for specific medical events like doctor visits, hospital stays, and surgeries—giving you predictable financial support when you need it most. With lower premiums and straightforward coverage, fixed indemnity plans help manage out-of-pocket costs while protecting you from unexpected medical expenses. They’re a smart choice for individuals seeking reliable, budget-friendly protection alongside or instead of major medical insurance.

  • Short Term Medical (STM) plans provide affordable, flexible health coverage for individuals who need temporary protection—whether you’re between jobs, waiting for open enrollment, or transitioning off another plan.

    These plans are designed to function much like traditional major medical insurance, offering comprehensive benefits for doctor visits, urgent care, hospital stays, surgeries, and emergency services. Most plans include a deductible, coinsurance, and a maximum out-of-pocket limit, helping protect you from high, unexpected medical costs.

    Key advantages include:

    • Lower monthly premiums compared to ACA plans

    • Fast, easy enrollment with next-day coverage in many cases

    • Freedom to choose providers with large or open networks

    • Flexible terms, typically ranging from 30 days to 12 months or longer (depending on your state)

    While pre-existing conditions and preventive care are typically not covered, STM plans are a smart and budget-friendly option for healthy individuals who want dependable coverage for serious medical events.

  • Health Sharing Plans are a cost-effective alternative to traditional insurance, built on the idea of community support. Members contribute a monthly share that goes toward paying other members’ eligible medical bills. In return, their own needs are covered when they arise.

    These plans are ideal for healthy individuals and families who want to save on monthly costs while aligning with faith-based or values-driven principles. They often offer more provider flexibility, lower rates, and a strong sense of community.

    While they don’t cover everything insurance does—like pre-existing conditions or routine care—they provide reliable support for unexpected medical expenses at a fraction of the cost.

  • Minimum Essential Coverage (MEC) plans like AdvantCare through ABC Advantage, TVP through Vitamin Patch, and TDK through Transferring Data through Knowledge offer affordable healthcare solutions designed to meet federal requirements for health coverage. These plans provide essential health benefits at a lower cost by focusing on preventive care and limited medical services.

    Customers enroll by joining partnership associations as members or “employees,” which grants them access to group health benefits and network discounts typically available through employer-sponsored plans. This unique structure allows members to enjoy affordable coverage and basic protection while maintaining compliance with health mandates—making MEC plans a practical option for those seeking essential coverage without the higher costs of traditional major medical insurance.