Health & Living Coverage Portfolio
Hospital Cash Indemnity
Offset high health plan deductibles and hospital copays with fixed daily cash payouts for inpatient admissions, surgery, and ER visits.
Regulated Rates from $24/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $24/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Pays $250 to $1,000+ per day for every day you are admitted to a hospital
Eliminates Medicare Advantage and ACA high-deductible hospital copay gaps
Covers outpatient surgery, observation room stays, and emergency ambulance rides
No doctor network restrictions — valid at any licensed US hospital facility
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Outpatient Surgery Rider
Ambulance & Urgent Care Rider
Instant Hospital Cash Indemnity Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”