Doctor office visit
- Provider bills
- $175
- Network rate
- $72
- Health ProtectorGuard pays
- $100
Where it lands A check for $28 is mailed to you
The set amount is larger than the negotiated rate, so the difference comes back to you.
For people who pay for their own coverage
Fixed cash benefits on one of the country's largest PPO networks. If ACA is the better answer for you, we say so in the first ninety seconds.
See your price in 90 seconds
Where do you live?
“$712 a month down to $290. Same doctors. I read the limits twice looking for the trick. There is not one.”
DANIEL K. · SELF-EMPLOYED · PHOENIX, AZ“I scanned my card on a whim. Nora told me my current plan was actually fine. They talked me out of paying them.”
ELENA R. · SUBSTITUTE TEACHER · TAMPA, FL“Bridging two years to Medicare. They told me exactly what the plan does not cover before the price. That is why I trusted the price.”
GEORGE M. · RETIRED EARLY · TUCSON, AZ“I asked the catch. It told me the catch. A plan that is honest about what it is beats one that hides it.”
KEVIN B. · 1099 DEVELOPER · NASHVILLE, TNNinety seconds to a real price.
A few minutes to enroll. We won't spam you.
They decide whether this plan is for you. If it is not, we say so and show you ACA instead.
Side by side, with the limits named. No account needed to see your prices. Nora answers anything you ask.
Ask for a start date as soon as tomorrow. The carrier confirms it if your application is approved. No payment required to apply.
Side by side
ShopHealthcare offers a new, lower-cost kind of plan, priced for your lifestyle instead of everyone else's.
Two people, two answers
A 90-second quiz and our AI-assistant will give you her honest opinion.
Freelance designer. Healthy, pays her own premium
Contractor. Manages type 2 diabetes
Get an honest quote in 90 seconds or less.
Ask for a start date as soon as tomorrow. The carrier confirms it if your application is approved.
Profiles illustrative; figures typical and vary by plan and state.
Two of the carrier's own worked examples, printed unchanged on Preferred 4000, the middle of three tiers.
Where it lands A check for $28 is mailed to you
The set amount is larger than the negotiated rate, so the difference comes back to you.
Where it lands You owe $1,900
Here the set amount is smaller than the negotiated rate, and the rest of that rate is yours to pay.
Health ProtectorGuard pays up to $2,000,000 per person per calendar year and $5,000,000 per person for life. Those two figures are ceilings on what the plan itself pays out. Health ProtectorGuard has no ceiling on what you can owe: whatever your bills come to above the amounts it pays is yours.
Pick the one that sounds like you. Each one starts the same 90-second check.
Still wondering something? Talk to a real person. Call (631) 903-2511.
Health ProtectorGuard pays fixed cash per covered service against a published schedule, not a percentage of the bill. Anything above those amounts is yours to pay. A condition treated, or showing symptoms an ordinarily prudent person would have acted on, in the 12 months before coverage started is excluded for up to 12 months. Per person it pays up to $2,000,000 a calendar year and $5,000,000 for life, ceilings on its payout. It is not minimum essential coverage under the Affordable Care Act, nor a substitute for major medical coverage.
Because it is health underwritten, not guaranteed issue. Four health questions decide who it takes, instead of everyone by law. The honest consequence is that not everyone qualifies. If it is not for you, we say so in the first ninety seconds and show you ACA instead.
Carriers pay a standard placement fee, the same no matter which plan you choose, so there is no incentive to steer you toward a pricier one. You pay your monthly premium and nothing else. No upsell, no premium tier, no concierge add-on.
Yes. ShopHealthcare is an independent marketplace operated by Core Value Insurance Associates, LLC, a licensed brokerage in 37 states under NPN 19482230. Look it up at nipr.com before sharing a single piece of personal info.
Your card is used only to read your plan details, then deleted. Never stored, never resold. You are never asked for your SSN, and carriers only see your details when you choose to enroll. No follow-up spam, no sold leads.
Ninety seconds, your real price, no account. If what you have is better, keep it.
Different tools for different people. Ninety seconds tells you which is yours.
No account to see it · Close the tab any time · A person picks up if you want one · We never sell your data