Offering premier value from brands you know and trust.

Our products include a variety of ACA Major Medical, short term major medical, limited benefit health insurance, gap, critical illness, accident medical expense, accidental death & dismemberment, term life insurance, insured prescription drug plans, dental, vision and other value-added programs. Most products are guarantee issue and can be offered as both primary and supplemental plans. We are consistently working to update our product offerings while carefully vetting carriers to ensure we are offering the greatest value to the organizations we serve. To request more information about any of these products or to learn how we can help you develop a customized benefit solution that meets your needs, contact us today.

Major Medical Insurance

Individual major medical insurance is an option for individuals and families who do not have access to a health plan through an employer or public program. Individual major medical plans offer comprehensive and long term health insurance coverage and they meet the minimum essential coverage requirements necessary to fulfill the Affordable Care Act’s individual mandate. Starting with January 1, 2014, effective dates, consumers purchasing these plans cannot be denied coverage or rated up based on health history or preexisting medical conditions.

Short Term Major Medical Insurance

Short term health insurance or temporary health insurance can be used as a temporary option for health coverage in between other health insurance options, or to fill in the gaps of current coverage. Designed to help protect individuals and families from the costs of the unexpected, short term insurance plans offer coverage from 30 to 180 days, and up to 364 days in many states.

Limited Benefit Health Insurance

Provides guaranteed issue, supplemental health insurance benefits for covered accidents and illnesses. These plans can fill the gaps of an existing high deductible health plan by providing “first dollar” coverage at an affordable price. Includes access to a nationwide PPO network, as well as valuable association membership discounts and services.

Gap Insurance

Having “gap” or “bridge” insurance can provide financial protection and peace of mind by adding an additional safety net in the event of an unexpected illness or injury. Individuals can use the cash benefits however they choose – for out-of-pocket medical expenses such as deductibles, copayments and coinsurance, to cover transportation costs, or even to help pay routine monthly bills.

Critical Illness Insurance

Critical illness insurance, also known as a dread disease policy, can ease the financial impact associated with life-altering illnesses. This type of insurance product provides a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Accident Medical Expense Insurance (AME)

Accident Medical Expense insurance provides benefits on an excess basis in the event of an accident. This means that after the insured has been reimbursed for medical expenses by other insurance programs, and after the deductible has been satisfied, the AME plan will pay up to the maximum medical expense benefit for remaining treatment, service and supply expenses.

Accidental Death & Dismemberment Insurance (AD&D)

AD&D insurance pays a set amount of money if death or dismemberment is the direct result of an accident. In the event of a fatal accident or an accident that results in losing eyesight, speech, hearing, or a bodily appendage, AD&D will pay a specified amount explicitly enumerated in the insurance policy.

Term Life Insurance

As the name implies, term life insurance provides protection for a specific period of time. If the insured dies during that term, the beneficiaries get a payout, known as the death benefit. Term life insurance can provide a sense of security and peace of mind for members and their families. Eligible individuals can immediately enroll in this guaranteed-issue coverage with no medical information required.

Insured Prescription Drug (Rx)

Members can reduce their prescription costs through our insured prescription plan and supplemental discount prescription plans. Our large pharmacy networks extend across the United States for easy member access.

Dental Insurance

Oral health is a key piece of wellness. Research supports that regular dental care can not only improve overall health, but can also reduce medical expenses and hospitalizations. Our affordable dental plan offers individuals and families the benefits they need to protect their overall wellness and reduce dental and health care costs.

Vision Care

Our vision plan provides a copay benefit for an annual examination, as well as discounts on frames, lenses, contact lenses, tints and coatings and LASIK. Members have access to a program provider network of vision care specialists including Ophthalmologists, Optometrists and Opticians.

Value-Added Benefits

Through the Health Depot Association, members have access to a variety of non-insured programs, services and discounts in the areas of health care, consumer and lifestyle and business. Benefits include patient advocacy, telemedicine, dental, lab, imaging, roadside assistance, identity theft, retail savings, office equipment and supplies, shipping discounts and more. These benefits complement the insured benefits, providing additional value to your members.