Guaranteed Issue · No Health Questions
✅ Guaranteed Approval, Zero Health Questions
Fixed-dollar cash for hospital stays, doctor visits, and urgent care — approved automatically for eligible applicants, and it pays its full set amount even if your major medical plan already paid part of the bill.
✅ What makes this plan “guaranteed issue”?How It Works
No health questions, no medical exam, no history check — primary applicants 18–64 are automatically approved. Coverage pays fixed-dollar cash for hospital stays, doctor office visits, and urgent care trips.
🚫 What does “no coordination of benefits” mean?No COB
This policy pays its full, pre-set dollar amount regardless of what your major medical plan already paid — it never reduces its own payout because another policy covered part of the bill.
💳 Can the benefit go straight to my doctor instead of me?Payment
Yes, optionally. If you use an in-network provider, you can assign the benefit directly to them to cover the bill on the spot — or take the cash yourself.
👪 Who can enroll, and what does it cost to apply?Eligibility
Ages 18–64 for primary and spouse, dependents to age 26, three simple rate tiers (Primary / Primary + Spouse / Full Family), and $0 application fee.
⚖️ How is this different from standard hospital indemnity?Compare
| Feature | Standalone Hospital Indemnity | Guaranteed Issue Hospital & Outpatient |
|---|---|---|
| Medical Underwriting | Standard (GI on select bundles) | 100% Guaranteed Issue |
| Doctor Visits & Urgent Care | Higher-tier “Bundled” add-on only | Included standard |
| Coordination of Benefits | Pays alongside other insurance | NO COB — pays in full |
| Direct-to-Provider Payment | Cash to you only | Optional assignment to provider |
| Application Fee | $0 | $0 |