Short Term Medical Plans – Purchase coverage for periods as short as 30 days up to 184 days.   These plans offer an affordable way to bridge gaps in coverage between jobs or between retirement and your Medicare eligibility date.   Choose your own deductible and maximum out of pocket spending limits.  These plans include a comprehensive provider network.   You will be subject to medical underwriting, pre-existing condition exclusions and you must meet height/weight criteria.   NOTE:   These plans do not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.

Hospital Indemnity Plans – these plans pay a fixed amount per day for hospital confinement (some include other qualifying medical services), UP TO the calendar year maximums of your standard medical plan.  Some of these standard plans have out of pocket maximums of up to $7150.00 per person.   You MUST have ACA minimum essential coverage to qualify for these plans. 

Accident Plans – these plans pay fixed amounts, per event for expenses related to qualifying accidental bodily injuries.    This may include Emergency room fees, doctor visits, visits to Urgent care, ambulance, surgical services and physical therapy.  Reimbursements are based on fixed amounts outlined in the plan, not based on billed amounts.  NOTE:   These plans do not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.

Disability Income Protector – If you should be unable to work due to accident or sickness, how would you pay your bills?   That’s where this insurance comes in with a tax-free benefit to replace some of your income while you recover from an accident or an illness.  We have a 3 in 10 chance of being affected by an accident or illness that may last up to 3 months or more.  Select the plan, elimination period, benefit period and monthly benefit (limited to 60% of income at issue) that best meets your needs.

Vision plans – offering options through major carriers for you and the entire family.

International Travel – these policies provide important health insurance protections while you are outside of the United States.    Most medicare plans and standard plans do not provide coverage outside of the U.S.   Buy a plan for a few days up to several months.   Very low cost with flexible options.




Kim Kraft Insurance

(520) 240-8059 


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