Get Affordable Health Insurance Today

If you’re looking for a good insurance plan, you’ve almost certainly heard about the options available under the Affordable Care Act(ACA). But did you know there are even better plans than those offered under ACA? National Health & Wealth Advisors can help you find the best policy for your budget and your needs.

Contact us today at 801-814-2364 to learn more.

Don’t continue living without insurance or with a policy that doesn’t fit your needs. Let us help you find a great policy that suits your lifestyle and your demands. We are based in Ogden, Utah and assist clients throughout the United States with their health insurance needs. Contact us today at 801-814-2364 to learn more.

Find The Coverage That’s Perfect For Your Healthcare Needs

If you’re looking for a good insurance plan, you’ve almost certainly heard about the options available under the Affordable Care Act(ACA). But did you know there are even better plans than those offered under ACA? National Health & Wealth Advisors can help you find the best policy for your budget and your needs. Contact us today

Affordable Health Insurance Plan

  • Health plans offered are state of the art with very competitive premiums
  • Largest network of doctors and hospitals
  • No co-pays
  • Free wellness check
  • 20 doctor visits a year with no co-pay
  • This plan includes labs and diagnostic, chiropractic and naturopath coverage
  • You only pay deductible if you are admitted into the hospital.
  • Free urgent care.

Health Insurance

Affordable Health Insurance - Major Medical Coverage
Private Health Insurance plan / Individual Health Insurance Plans
Better alternative to ACA (Affordable Care Act) Plans

Health Insurance Products

  • Major Medical Health Insurance
  • Accident Insurance
  • Specified Disease
  • Critical Illness

New Era Life Insurance/Philadelphia American is a 99 Year old insurance company. Philadelphia American Life (New Era Life Insurance) has competitive premiums for private health insurance.  They are well capitalized and are a financially sound insurance company.

Financial Reasons Why to have a Health Insurance Plan with
New Era Life - a Non-ACA Health Insurance Policy

Each person get the following # of visits per person per year.

  • Lower Premiums
  • Less out of pocket expense per year 
  • Total Annual Medical Expense are much lower than with an ACA (Affordable Care Act health insurance plan).
  • Extra Rebates for using the in-Network medical providers.

Use any Doctor or Hospital of your choosing without penalty; or take advantage of additional savings through the First Health Network network.

Taking charge of your healthcare spending has never been easier! As a policyholder, the following resources are included as added benefits are available for you to use with your Gold Plan at no additional charge.

We compare prices on almost everything we buy and we should be doing the same for healthcare. Our plans put the consumer in charge of their healthcare spending dollars and rewards consumers who practice smart healthcare management. No matter what the provider, doctor, or facility charges, your insurance benefits for covered services remain the same. Therefore, our insureds could receive excess benefit dollars directly in their pocket!

Advantages of our Major Medical Health Insurance Coverage
New Era Life (Non-ACA plan)

Get a Quote for Private Health Insurance

You will have access to doctors, hospitals, labs, imaging centers and home healthcare centers at discounted rates through First Health Network Limited Benefit Network.

Nationwide Network - Largest PPO Network of doctors & hospitals in the U.S.

First Health Network

Our PPO Network is the First Health Network, the largest network across the country.

This link: First Health Network  has a search tool to look up the list of providers (Doctors, Specialists & Hospitals) nationwide.

Many Top Hospitals in the U.S. – In Network coverage in every state of the U.S.

Nationwide Network of doctors & Hospitals 

Note: Some of the Specialty Centers include (There are more in other areas of the country not listed here).

TELEMedicine – The quality of care you need, in the convenience of your home!

Our Health Insurance Plans include TELEMedicine as a part of the plan at no additional cost.

TELEMedicine  services are available to you as a convenient alternative to Doctor and Urgent Care visits saving you more time and money.

Feeling a bit under the weather? If you are feeling unwell, you can receive convenient, quality care from a large network of health professionals 24 hours a day, 365 days a year, by web, phone or mobile app.

Patient advocacy before, during and after a healthcare event! Members gain a resource and concierge-style service to help them navigate through the chaos and confusion often associated with the healthcare marketplace. This includes services such as finding providers and healthcare facilities, scheduling appointments, pricing for non-emergency surgeries, and a personal advocate to help lower the patient’s portion of medical bills to something more manageable.www.thekarisgroup.com


ScriptSave allows you to locate the lowest discounted
price for your medication!
At no extra cost you have access to use the
prescription savings card, or app, to receive instant
savings on both brand name and generic prescription
medication. ScriptSave WellRX is accepted at over
62,000 pharmacies! Philadelphia American’s group
number is 2242.



Additional Riders with the Health Insurance Policy
  • Accident Insurance
  • $100,000 of accident life insurance
  • $10,000 of Ambulance coverage for accidents
  • $300 per day benefit if admitted to the hospital for an accident up to 30 days ($9,000 of coverage in the hospital)

Critical Illness Policy

Critical Illness Insurance is designed to ease the financial pressure by providing a lump sum cash benefit paid directly to you upon diagnosis of a covered illness to help you cope with the high cost of recovering from a critical illness crisis. The plan will provide up to $50,000 to help cover out-of-pocket medical expenses and the other costs associated with a covered critical illness.

Thanks to medical advances, more and more Americans are surviving critical illness crises such as cancer, strokes, heart attacks and kidney failure. We all realize that many individuals who have been diagnosed with what at one time were considered fatal illnesses are now overcoming the odds and surviving.

Unfortunately, it places a tremendous emotional strain on the family and many times accompanied by an overwhelming financial burden. Your financial security is most threatened when you are told by a physician that you have suffered a heart attack or stroke or that the tissue taken during a biopsy is, in fact malignant.

Critical Illness Insurance is designed to ease the financial pressure by providing a lump sum cash benefit paid directly to you upon the diagnosis of a covered illness

What are the benefits of Critical Illness?

Philadelphia American Life provides a variety of Critical Illness options to help protect your financial resources.

To help offset the high expenses associated with a serious illness, our Critical Illness Insurance provides an immediate lump-sum cash benefit between $10,000 of up to $50,000 upon diagnosis of a covered illness (10k, 20k, 30k, 40k, 50k). Benefits are paid for Internal Cancer, Heart Attack, Stroke, End Stage Renal Failure, Major Organ Transplant, Coronary Artery Bypass and Angioplasty. 

Our critical illness policy provides a unique coverage to allow benefits for 2 different kinds of certain critical illness (such as cancer and stroke) as long as they are separated by more than 90 days.

You can use your benefit to help pay for: experimental treatments, rehabilitation, mortgage payments, lost income wages, etc. 


• Cancer (Internal Cancer) • Non-Invasive Carcinoma In Situ • Heart Attack • Stroke • Coronary Artery Bypass Surgery • Angioplasty • Pacemaker Implant • End Stage Renal Failure • Major Organ Transplant 

1 The benefit for certain Covered Conditions may be reduced. Waiting periods and other restrictions may apply and can vary by state. Refer to your policy for more details. Any Critical Illness Covered Condition diagnosed or treated prior to the Effective Date of the rider or within the Rider Waiting Period will not be payable at any time for that condition. Exclusions and limitations may vary by state.

  • Specified Disease Policy

With the improvement of modern medicine more Americans are surviving specified diseases than ever before. When diagnosed, many families struggle due to the high costs of treating these conditions. By enrolling in a Philadelphia American Life Specified Disease Policy, you can proactively prepare for the costly
medical expenses associated with fighting covered diseases, conditions
and procedures. 

Qualifying Critical illnesses include: 
* Heart Attack
* Stroke 
* Cancer (Internal Cancer)
* Angioplasty
* Coronary Artery Bypass Surgery 
* Pacemaker Implant or Insertion of Implantable Cardiac Defibrillator 
* Heart Valve Surgery 
* Amputation
* Joint Replacement
* End Stage Renal Failure
* Amyotrophic Lateral Sclerosis (ALS)
* Major Organ Failure/Major Organ Transplant (Bone marrow, heart, kidney, liver, lung, pancreas)1
* Ruptured Aneurysm (Ruptured Cerebral, Carotid or Aortic Aneurysm)

DEDUCTIBLE Per Insured person with a maximum of three (3) deductibles per Calendar Year under this policy. 

o $100,000
o $75,000
o $50,000
o $25,000
After the deductible, the plan will pay the Actual Charges up to the Usual, Customary and Reasonable amount for expenses incurred for a Covered Condition or Procedure.

Actual Charges are defined as the actual amount paid by You or any other entity for services, treatment or material rendered. Benefits are subject to the Covered Condition or Procedure definitions that can be found in the accompanying Outline of Coverage or Policy Form. 2 The Lifetime Maximum Benefit may vary by state.


Exclusions (Exclusions of coverage) for the Health Savor Gold Policy.
  1. Medical care required due to the policy holder committing a crime
  2. Medical care required due to the policy holder being intoxicated (Drunk)
  3. Act of war during wartime.
  4. Immunizations (you can go to the health department for immunizations)
  5. Maternity (pregnancies)
  6. Elective Surgery (Plastic Surgery that is elective)
  7. Permanent birth control that is elective
  8. Plans are fully underwritten.
  9. Pre-existing conditions are excluded 12 months