Better Value Approach to Health Insurance

The Better Value Approach tm is the best overall coverage and lowest cost. This approach, which is a combination of health plans, has a low-cost major medical plan supplemented with accidental injury, critical illness, dental, and, optionally, a health savings account (HSA). You will save 30–50% on premiums and reduce your out-of-pocket cost for these health events to near zero!

Click here to see a comparison to a popular PPO plan. Click here to see a video description.

Accidental Injury Insurance

Accidental injury is the most common claim of active adults and children. This plan cuts your health insurance out-of-pocket expense to near zero. Includes air ambulance, ADD and more. Click here for free quote and to apply online.

Critical Illness Insurance

Critical Illness Insurance provides money to cover the out-of-pocket maximum of your health insurance and money to live on while recovering, which is typically a year, or to get treatment at an out-of network facility.

California Dental Network

Health Savings Account Plans (HSA’s)

(HSA’s) are combined with low cost, high-deductible Health Plans that save you money; your pre-deductible and out-of-pocket expenses such as office visit and prescription co-pays are paid with pre-tax money to reduce your income taxes.


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