Balance Care Health Plans:
Hospital Indemnity with Membership Perks
Affordable fixed-benefit coverage bundled with wellness, savings, and lifestyle resources.
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Why Agents Love Selling This Plan
Balance Care Health Plans goes beyond basic hospital indemnity by pairing limited insurance benefits with a wide range of wellness and lifestyle savings through the Unified Caring Association (UCA). With multiple membership tiers, nationwide provider access, and built-in accident benefits, this plan gives agents a versatile product to meet diverse client needs while offering real, everyday value.
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Quick Highlights
Hospital Indemnity Insurance – daily benefits for hospital stays, ICU, ER, outpatient surgery, labs, X-rays, and more.
Accident Protection – accidental death, medical expense, and disability income benefits (varies by tier).
Multiple Membership Levels – five tiers (Prime, Core, Essential, Vitality, Peak) for different budgets and needs.
Provider Network Access – nationwide MultiPlan network discounts for doctors, hospitals, labs, and imaging.
Prescription & Wellness Savings – Rx discounts, telehealth, dental & vision programs, chiropractic, holistic care.
Lifestyle & Consumer Perks – hotel savings, fitness memberships, pet care discounts, legal services, and more.
No Waiting Periods – benefits available immediately (except pre-existing condition limitations).
Pre-Existing Conditions – excluded for the first six months only, shorter than most alternatives.
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Why This Matters
Balance Care isn’t just about insurance — it’s about providing a bundle of real-world benefits your clients can actually use. By combining hospital indemnity protection with wellness programs and consumer discounts, agents can position this as a lifestyle membership that delivers value far beyond medical claims.
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FAQ (Agent Talking Points)
Is this major medical coverage?
No — Balance Care is a fixed indemnity plan paired with a membership. It is not ACA-compliant or a substitute for comprehensive insurance.
Who is this plan ideal for?
Individuals and families looking for affordable protection with added savings tools, or those supplementing an ACA or employer plan.
What makes it different?
The combination of Zurich underwriting plus UCA membership benefits — from medical savings to lifestyle perks — gives you more selling angles than a standard fixed-benefit product.
What about pre-existing conditions?
They are excluded for the first 6 months, after which benefits apply like any other covered condition.