Flexible Protection for Life’s Unexpected Moments
FlexBenefits offers smart, supplemental insurance options to help you handle the financial impact of accidents, illness, and unexpected healthcare needs. Explore our Plan Series options.
FlexAdvantage Series – Designed specifically to complement Medicare Advantage plans by helping fill coverage gaps and reduce unexpected expenses.
FlexGap Series – Built for people with ACA marketplace plans, offering protection against high deductibles and coinsurance.
FlexProtect Series – Tailored for the under age 65 alternative health insurance market—such as Short-Term Medical (STM) plans—to help safeguard against surprise medical bills.
Each series provides supplemental protection that works alongside your primary health coverage—so you can focus on care, not costs.
Flex Advantage Series
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FlexAdvantage complements your Medicare Advantage plan by paying you cash to cover your out-of-pocket copays and other expenses. In 2026, the federal limit for the maximum out of pocket expense is now as much as $9,250 in-network, though your plan may set a lower limit.
- FlexAdvantage Essential – Cash for Hospital Stays and Accidents – Accident Medical Expense (covers all medically necessary treatment including physical therapy and skilled nursing facilities) – Accidental Death benefit – Sickness Hospital stays.
- FlexAdvantage Plus – Cash for Hospital Stays and Accidents Plus – includes FlexAdvantage Essential benefits PLUS coverage for physician/urgent care visits, ER cash, and surgical daily benefits
- FlexAdvantage Max – Cash for Hospital Stays, Accidents and Illness Plus – Builds on FlexAdvantage Plus benefits with Wellness benefits and Critical Illness options (up to $30,000)
FlexAdvantage benefits can be adjusted fit your needs and budget.
Calendar Year Benefits Per Person
- Accident Medical Expense: $3,000 – $7,000 annually (no deductible)
- Accidental Death: $25,000
- Sickness Hospital Stays: $250 – $500 per day (up to 6 days per year)
- Sickness Emergency Room: $100 – $500 per day (up to twice a year)
- Sickness Physician Office Visit/Urgent Care: $50 – $100 per day (up to twice a year)
- Sickness Surgical: $250 – $400 per day (once per year)
- Critical Illness (Cancer, Heart, Stroke): Up to $30,000
FlexGap Series
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FlexGap supplements your ACA plan by paying you cash. You may use this cash to pay for out-of-pocket copays,
deductibles, and coinsurance. In 2026, the federal maximum for out-of-pocket expenses is $10,600 for individuals and
$20,200 for families, though your plan may set a lower limit. These costs arise from copays and deductibles you pay before
your health plan starts covering charges. Even after meeting your deductible, you might owe a percentage of service costs
due to coinsurance. We offer 3 plans in this series each targeting a different metal level plan.
- FlexGap Share -Cash for Accidents and Income Protection – Accident Medical Expense (covers all medically necessary treatment including physical therapy and skilled nursing facilities) – Accidental Death benefit – Accident Disability Income benefit.
- FlexGap Essentials – Cash for Accidents, Income and Illness Protection – includes FlexGap Share benefits PLUS coverage for Hospital Stays for Sickness and Critical Illness options (up to $30,000). Default benefits are a great starting point for Silver plans.
- FlexGap Complete – Cash for Accidents, Income and Illness Protection – Builds on FlexGap Essentials benefits with options Physician Office Visit/Urgent Care and Surgical benefits. Default benefits are a great starting point for Bronze plans.
Flex Benefits offers cash payments starting from the first dollar. You can adjust a FlexGap plan to fit the benefit type and coverage amounts you need. With benefits like accident disability income, accidental death and critical illness coverage you can protect your family budget beyond basic gap coverage.
Calendar Year Benefits Per Person
- Accident Medical Expense: $1,500–$30,000 (no deductible)
- Accident Disability Income: $500–$1,500 per week
- Accidental Death: $25,000
- Sickness Hospital Stays: $500 – $1,000 per day (up to 6 days per year)
- Sickness Emergency Room: $250 – $500 per day (up to twice a year)
- Sickness Physician Office Visit/Urgent Care: $50 per day (up to twice a year)
- Sickness Surgical: $250 – $1,000 per day (once per year)
- Critical Illness (Cancer, Heart, Stroke): Up to $30,000
FlexProtect Series
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FlexProtect supplements your health insurance by paying you cash. You may use this cash to pay for out-of-pocket copays, deductibles, and coinsurance. These costs arise from copays and deductibles you pay before your health plan starts
covering charges. Even after meeting your deductible, you might owe a percentage of service costs due to coinsurance.
Flex Benefits offers cash payments starting from the first dollar. You can adjust a FlexProtect plan to fit the
benefit type and coverage amounts you need to offset these expenses and more. With benefits like accident disability
income, accidental death and critical illness coverage you can protect your family budget beyond basic gap coverage.
- FlexProtect – a low-cost accident plan designed protect against out-of-pocket costs and cover household expenses in case of an accident disability – benefits you need to get you back on your feet and back to work. Plus, virtual care benefits for urgent care, primary care and mental health care with no copays–saving you money, reducing time off and the convenience of 24×7 care.
- FlexProtect Pro – All the benefits of our basic FlexProtect plan plus additional coverage for sickness and critical illnesses – flexible protection to fit alongside STM, ministry sharing plans, simplified funding arrangements and more.
- FlexProtect Freestyle – Our broadest coverage options design to allow you to build the plan you need – whether to fill gaps in underlying coverage or to create standalone coverage to bridge you to your next major medical plan.
Calendar Year Benefits Per Person
- Accident Medical Expense: $2,500–$30,000 (no deductible)
- Accident Disability Income: $500–$1,500 per week
- Accidental Death: $25,000
- Sickness Hospital Stays: $500 – $1,000 per day (up to 6 days per year)
- Sickness Emergency Room: $250 – $500 per day (up to twice a year)
- Sickness Physician Office Visit/Urgent Care: $50 per day (up to twice a year)
- Sickness Surgical: $250 – $1,000 per day (once per year)
- Critical Illness (Cancer, Heart, Stroke): Up to $30,000
Product benefits and availability may vary by state. See brochure for additional details and products.
