Health Insurance for the HEALTHY

Every healthy American and their families should be able to have the peace of mind that comes with quality Insurance coverage, all at an affordable price. Please scroll down and see how being healthy allows us to offer you prices that are typically 1/4 the price of other major medical plans. Here at Clever Policy we want to teach you the tricks of the industry so you can get the quality coverage you need at the prices you want.

Health
Insurance
Made Simple

Every healthy American and their families should be able to have the peace of mind that comes with quality Insurance coverage, all at an affordable price. Please scroll down and see how being healthy allows us to offer you prices that are typically 1/4 the price of other major medical plans. Here at Clever Policy we want to teach you the tricks of the industry so you can get the quality coverage you need at the prices you want.

Select A Product To See Your Quote

Hospital Indemnity

Affordable Financial
Protection

Short Term

Don't Go Unprotected

Life Insurance

Smart Financial Planning

Supplemental

Don't Go Unprotected

Compare Flexible Affordable Supplemental Health Products.

Get Covered And Protect Yourself From Financial Hardship

Complete Your
Secure Purchase 100% Online

Technology Enabled Enrollment And Member Engagement Tools

Compare Flexible Affordable Supplemental Health Products.
Complete Your Secure Purchase 100% Online
Get Covered And Protect Yourself From Financial Hardship
Technology Enabled Enrollment And Member Engagement Tools

Short Term Health Insurance

Short term medical insurance, also called temporary insurance or term health insurance, can provide a temporary solution to help fill gaps in coverage.

Consider short term if you’re:

Between jobs
Waiting on other coverage to begin
Waiting to be eligible for Medicare coverage
Without health insurance, outside of Open Enrollment.

Hospital Indemnity Insurance

GM is what you use when you have a pre-existing condition but need insurance that is low cost but can be enrolled into at any moment in time. Whereas other forms of coverage leave you feeling like you’re playing a game of roulette Guaranteed Medical coverage represents the amount of money you are GUARANTEED to receive should something happen. No guessing games! Don’t deplete your savings if you know there is a good chance you will be in the hospital this is what you need. Or, if you have a pre-existing condition and want something that will cover you for a guaranteed amount immediately then this is for you. Or, if you just want extra money to supplement your current coverage so you have extra protection in case your major medical coverage provider starts talking fast and moving slow.

or :
It also has the added benefit of being completely transparent as to what is covered and how much

Guaranteed Medical allows for peace of mind, knowing you will be able to claim a specific amount of any overnight hospital stays. It closes gaps in health insurance coverage and this type of medical insurance is particularly useful when your savings cannot cover bills for the unexpected and unforeseen hospital stays.
Guaranteed Medical provides a wide variety of benefits, including closing gaps in coverage, paying a lump sum directly to the policyholder, and fixed premiums.

Many people erroneously believe that health insurance covers every aspect of hospital visits or stays. Instead, it provides cover for specific procedures and services depending on the type of plan you hold. Hospital Indemnity covers that gap of uncertainty and provides full coverage.
The payments for Hospital Indemnity can cover regular expenses (rent, utilities, and food), deductibles, and medical co-pays. Insurers often customize plans to complement any existing medical or supplemental coverage. This level of flexibility makes it easier to maximize coverage and to meet your needs.

Life Insurance

Life insurance is an essential part of your (and your families) financial strategy. It allows you to secure the future of your loved ones by creating a way to replace your income should you ever pass away or something was to happen. Selecting the ideal life insurance plan is an important part of securing your family’s livelihood. You can pick the right plan from a wide variety of options for that peace of mind.
Life insurance is undoubtedly a powerful and flexible product that covers burial costs and long-term care for orphans and widows. It involves paying monthly premiums in return for payouts following the death of the policyholder. Individuals can pick a suitable plan from two main variants: permanent insurance and term life insurance.

In a permanent life plan, the cash value of the policy grows rapidly at the early stages of the insurance plan. The value rises at a predetermined rate that remains fixed. While Term plans are more affordable than permanent policies, as they generate cash value as you pay premiums. With a term policy, your insurance plan does not yield value if you outlive the contract.
Your coverage needs determine the ideal amount of life insurance you should take out. Covering end-of-life expenditure (life insurance for seniors) requires less insurance than replacing lost income (life insurance for children). Hence, the need to make informed decisions. A financial advisor can help you choose the right types of life insurance. The policy you take out should cover necessities like medical expenses, food, and other discretionary costs. With life insurance for seniors, consider end-of-life expenses like a funeral home, casket, and burial costs. Integrating these costs into a life policy eliminates the need for loved ones to bear the financial burden associated with a funeral.
Carrier & Underwriter
Association
Billing & Customer Service

Our Partners

Our Health Insurance Plans

Coverage created to fit your health

EXPENSIVE

ACA
"Obamacare"

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Copay for doctor visit
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
  • Preventive and wellness services and chronic disease management

BEST VALUE
LOWEST PRICE

US

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Copay for doctor visit
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
  • Preventive and wellness services and chronic disease management

EXPENSIVE

Premium Major Medical Plan
"Fortune 100"

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Copay for doctor visit
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
  • Preventive and wellness services and chronic disease management

By not covering the items of the other market we can offer you the lowest prices

EXPENSIVE

ACA
"Obamacare"

  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Pre-existing Conditions
  • Mental health services (this includes coun seling and psychotherapy) Substance Abuse Services
  • Behavioral Health Treatment (this includes counseling and psychotherapy)

BEST VALUE
LOWEST PRICE

US

  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Pre-existing Conditions
  • Mental health services (this includes coun seling and psychotherapy) Substance Abuse Services
  • Behavioral Health Treatment (this includes counseling and psychotherapy)

EXPENSIVE

Premium Major Medical Plan
"Fortune 100"

  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Pre-existing Conditions
  • Mental health services (this includes coun seling and psychotherapy) Substance Abuse Services
  • Behavioral Health Treatment (this includes counseling and psychotherapy)

Advanced Health Plans Benefits

We are able to offer low prices because we do not underwrite every medical condition. If you or your family
visits the doctor a few times a year and simply want the security of knowing if something major happened
you would be covered then one of our individual products is right for you! However, if you want to suppliment your coverage
so you can have a greater chance of flourishing after life’s guaranteed setback then you need
one of our unique combinations of products.

If Nothing Else

  • Limited Medical Benefits

If Nothing Else

  • STM - Major Medical
  • Dental & Vision

Extra

  • STM
  • AD&D
    or
    Life Isurance
    or
    Cheaper option AD&D

Everything & more

  • STM
  • Dental & Vision
  • AD/D or Life Insurance
  • Accident Medical Expense or Medical Illness

Get Advanced Health
Insurance Quotes

Receive Accurate and Affordable Health Insurance Quotes

 
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