Umbrella Medical Plan

Umbrella Medical is designed to protect you from the medical bills that can do the most financial damage.

Instead of paying high monthly premiums for traditional health insurance, you keep more control over how you pay for routine care. Then, if a serious medical event occurs, Umbrella Medical provides major medical insurance protection for eligible hospital and physician expenses after the first $50,000 of eligible medical expenses.

Think of it as protection for the big events: a mojor accident, surgery, ICU stay, cancer treatment, or other serious medical conditions.

For everyday healthcare, you can use direct primary care, blood testing, imaging, and other lower-cost medical services available through our healthcare platform. Umbrella Medical is there for the large, unexpected expenses that could threaten your savings, retirement, home equity, or business assets.

The goal is simple: pay less for routine healthcare, keep more control over your choices, and have strong protection when a major medical event happens.