1. Do not have adequate health insurance
2. Have health insurance with high deductibles or out-of-pocket expenses
3. Want to supplement the coverage you may have

• Guaranteed Issue for members & their spouse's ages 18 through 64, and dependent children through age 26
• $1,000,000 Lifetime Maximum per Covered Person
• U.S. Citizenship not required, only U.S. residency for 12 consecutive months
• In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day
• Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits
• Doctor Office Visits - Choice of $25, $50 or $75 per visit benefit *
• Doctors Office Wellness Visit - Choice of $50 or $75 for one visit benefit *
• Freedom to choose any doctor or hospital
• $2,000 Accidental Injury Medical Benefit
• $10,000 Accidental Death and Dismemberment

Non-insurance Benefits

• Access to Beech Street PPO Network Savings
• MedCare USA Prescription Discount Card
• Vision Discounts

Your total membership cost consists of association information and awareness benefits, consumer savings and service programs, insurance coverage's, marketing and administration costs.

Health Essential Plan is available in all states except: AK, CT, KS, MD, ME, MT, NH, NJ, NY, OR, RI, WA and VT.

Insured Benefits Provided By:
United States Fire Insurance Company , Rated “A” by A.M. Best Reports

Disclaimer. This is limited indemnity insurance coverage. It is not major medical coverage and it is not intended to replace other major medical coverage. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are not insurance benefits. These are association discount and lifestyle benefits.