Balance Care Health Plans
Fixed Indemnity + Everyday Value — All in One Membership
Balance Care Health Plans delivers practical protection for clients who need more than a discount plan — but don’t want the cost or complexity of a traditional major medical.
Underwritten by Zurich American Insurance Company, this program combines hospital indemnity and accident coverage with an extensive suite of non-insurance savings programs through membership in the Unified Caring Association (UCA).
Why Agents Love Selling It
Level Commissions — Paid for Life of the Plan
Keep earning every month your clients stay enrolled. No drop-off, no renewals to chase.Instant Approvals & No Underwriting
Quick, paperless enrollment — coverage starts immediately.Simple Story that Sells Itself
“Pays you cash when you’re sick or in the hospital.” Clients understand it instantly.Nationwide Network Access
MultiPlan provider network, Rx savings, dental & vision discounts — value you can show in seconds.
What Makes Balance Care Different
Trusted Name — Zurich American Insurance Company
A global brand with more than 100 years of financial strength.Real Coverage + Everyday Perks
Combines fixed indemnity benefits (hospital, doctor, surgery, ICU) with daily-use features like telehealth, Rx savings, and holistic wellness discounts through Unified Caring Association (UCA) membership.5 Tiered Plan Levels
From Prime (entry level) to Peak (full coverage + disability income).
Agents can offer flexibility by budget and need — all with one simple enrollment.Easy to Sell, Easy to Keep
No medical questions or waiting periods
Portable nationwide
Appeals to 1099s, small business owners, and families who don’t qualify for ACA subsidies
Add-On Value = Stickier Clients
Dental & Vision savings, telemedicine, and lifestyle perks help clients use the membership year-round — boosting retention and your monthly residuals.
Commissions You Can Count On
Paid monthly — no renewals, no chargebacks after 30 days.
Each active policy adds recurring residual income to your book.
Stack Balance Care with your existing portfolio (Dental, Vision, LifeX, Quantum Section 12) to multiply your residual base with minimal effort.
Agent FAQ: What You Need to Know to Sell This Confidently
Is Balance Care ACA-compliant?
No — it’s a limited-benefit fixed indemnity plan designed to supplement existing coverage or stand alone for those who can’t afford ACA premiums.
Who underwrites the insurance?
Zurich American Insurance Company underwrites the hospital indemnity and accidental death portions. Guarantee Trust Life provides accident medical benefits.
Who can enroll?
Members ages 18 – 64. Coverage ends at 65. Available in most states (MI & RI have unique versions).
How is this different from a discount plan?
Balance Care pays real cash benefits for covered events — hospital stays, surgeries, office visits — plus includes non-insurance savings programs for everyday use.
Can clients use any doctor?
Yes. Members can visit any licensed provider, but using MultiPlan in-network providers stretches their benefits further.
Are there waiting periods or underwriting?
None. Coverage begins immediately once membership is active.
Is there a pre-existing condition limitation?
Yes — 6-month look-back for pre-existing conditions.
How are commissions paid?
Monthly, level for the life of the plan. Commissions flow through your contracting hierarchy (street or override).
Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!