Hospital / Surgical
Indemnity Insurance

Sophic Partners can help you manage the small risk of a huge expense through an Indemnity plan to supplement your primary / preventive care. A prime example is New Era / Philadelphia American’s Health Saver Plus Gold plan that provides affordable coverage and peace of mind for unexpected health situations.

While not a major medical plan, it provides similar elements such as:

$5,000,000 in coverage over the lifetime of the policy

Access to physicians and hospitals nationwide through the largest major national provider network, PHCS (Private Health Care System) MultiPlan, but you can see any doctor and visit any hospital; you can go outside the network

Coverage for Inpatient and Outpatient Surgical/Diagnostic Procedures

Coverage for specified preventive care benefits

Your choice of multiple levels of Annual Coverage Protection and Benefit Schedules to best manage your monthly premium costs

Peace of mind of automatic annual renewal unless you terminate the plan or reach the maximum individual lifetime benefit

Prices that are typically 50% to 60% less than equivalent coverage on the healthcare exchange

Provides “first dollar” benefits and your choice of deductible level

Enroll any time of year

Includes free Karis360 Patient Advocacy services and you can also leverage the Healthcare Bluebook “fair price” cost comparison service

Includes free Teladoc 24/7/365 services

Ability to further minimize your risk of future healthcare expenses by having supplemental coverages added for Accident, Critical Illness, Specified Disease, Dental, and Vision.