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Hospital / Surgical
Indemnity Insurance

Sophic means “to be wise”.  Sophic Health & Habits was created to help people develop wise habits and live the “Sophic Lifestyle”, which promotes holistic health and wellness.  

The Indemnity Plan

  • 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.


“I am a sixty year old person who needed to follow my physician to another practice which required switching to another type of insurance. This process is not easy, and can be mildly traumatic. I engaged Angie to help me make the transition. Her responses were detailed, complete, and were in keeping with my situation as I entered a somewhat tricky phase of health known as “my 60s”. Angie shaped my policy based on my health criteria, and just as importantly, my financial comfort level. I am most pleased.” Stanley

Image by Caleb Frith
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