Affordable accident and sickness coverage
when you need it most
Cash benefits are paid direct to you or
whomever you choose to spend as you choose
Guaranteed acceptance if you are between
18-65 of age!
The Essential Health helps provide insurance coverage and discount services to you and your eligible family members for covered illnesses or accidents, the sickness benefit starts after 3 consecutive days in the hospital– for less than you think. Coverage amounts automatically increase every 3 months, for 10 years, with NO increase in premium– regardless of whether or not you’ve used your coverage.
Benefits At A Glance
- Insurance benefits are provided on the first day of any hospital stay as a result of a covered accident ($400/day) and from the first day of any hospital stay lasting more than 3 days as a result of a covered illness ($200/day).
- Get $300 per visit for covered Emergency Room accident treatment (4/year) and $50 per covered doctor visit (3/year).
- A Lump Sum Benefit of $5,000 after any hospital confinement of 30 consecutive days and $10,000/ after any hospital confinement of 60 consecutive days – This benefit can help lessen the financial impact following a covered long-term illness or injury.
- Coverage includes a $200 benefit should you require ambulance transportation due to a covered accident (2/year).
- Coverage amounts automatically increase every 3 months, for 10 years, with NO increase in premium– regardless of whether or not you’ve used your coverage.
- Cash benefits are paid direct to you or whomever you choose to spend as you choose.
- Save up to 60% on prescriptions and up to 50% on physician care and eye care at thousands of participating providers nationwide through our Essential Health Discount Network*. To check for a local provider near you click here>
- Choose your own doctor or hospital. Insurance benefits are provided regardless of the doctor or hospital you choose. Utilizing a provider affiliated with the discount network will provide additional discounts.
- We offer Guaranteed Acceptance for anyone - ages 18-65. Benefit amounts reduce 50% at age 70.
- With Essential Health, you can elect individual or family coverage. With our family plan, you can receive valuable insurance coverage if your spouse or eligible child is hospitalized. Our family plan covers your Spouse with 50% of your plan benefits and your dependent children with 20% of your plan benefits. Individual coverage is available for $31.95/month; family coverage is available for $47.95/month.
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What is Essential Health?
Essential Health is an insurance and discount services program that can help you pay expenses for covered events due to accident or illness*. You also have full access to a noninsurance Essential Health Discount Plan, which allows you to save 5-60% on physician care, vision, prescriptions and more*
All benefits are paid directly to you or whomever you choose. This means you can use the cash benefits you receive from this plan any way you wish. There are no deductibles or copays, and no restrictions on hospital providers to receive the insurance benefits.
Why is Essential Health different from other plans?
•Essential Health provides benefits on the first day of hospitalization due to covered accidents (up to $400/day, $2,800/week, $12,000/month) and from the first day of hospitalization lasting 3 days or more due to a covered illness (up to $200/day, $1,400/week, $6,000/month).
•You can also receive benefits out of the hospital, too: starting at $50 per each doctor visit (3 visits per year) and up to $300 per each Emergency Room accident visit (4 visits per year).
Best of all, your coverage amounts automatically increase every 3 months – with no increase in premium – for ten years, regardless of whether or not you’ve used your coverage. And, you can’t be turned down if you’re aged 18-65.
What about long-term hospital stays?
You’re covered for a long-term hospital stay, too.
•The plan provides a single lump sum benefit in addition to your daily cash benefits: up to $5,000 for a 30 consecutive day stay; or up to $10,000 for 60 consecutive day stay.
I don’t have medical insurance.
If you do not have traditional medical insurance, Essential Health is an affordable way to help provide some insurance benefits against the high cost of medical care. For example, if you are hospitalized due to a covered accident, you will receive up to $400 a day/$12,000 a month to help cover expenses, PLUS a lump sum benefit of up to $5,000 - $10,000 based on the length of your hospitalization after 30 days.
I have medical insurance.
If you already have traditional health insurance — or feel like you don't have enough coverage under your current plan — Essential Health can be a good way to supplement your current coverage. Essential Health's benefits are paid to you regardless of any other coverage you might have. So even if you are covered for an event by your current insurance, you would still collect a cash benefit with Essential Health. Many people find their current coverage does not offer the level of benefits and coverage they need. Essential Health can help to add that extra level of insurance and benefits.
Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038 is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
The Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797 .These plans are not available in AK, FL, MT, ND, OK, SD and VT. Coming soon in FL and OK. This package of benefits is NOT insurance or a substitute for Comprehensive Health Insurance.
THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.myessentialhealth.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state.
National Union Fire Insurance Company of Pittsburgh, Pa., assumes no responsibility or liability for any of the services provided by Third Parties. Questions or concerns about the services should be addressed directly to the providers.
Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints. Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association. * Medicare statements applies to MD residents when pharmacy discounts are part of the program.