Health Insurance

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

Health Insurance Products

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

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

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

The PPO Network is the largest network across the country, it is the PHCS PPO.

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

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

New Era Life Insurance/Philadelphia American is a 96 Year old insurance company. New Era Life Insurance/Philadelphia American has competitive premiums for private health insurance. They are well capitalized and are a financially sound insurance company.

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

  • 20 Doctors visits
  • + 2 urgent cares
  • + 1 wellness check (Well child visits)
  • = 23 Total doctors visits that do not have a co-pay nor a deductible

Co-pays apply after the 23 doctor visits to In-Network Approved Providers and for hospitalization (not outpatient care) .




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 
  • Rebates for in-Network medical coverage. 
  • Total Annual Expense is much lower


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)
  • Specified Disease

Qualifying Critical illnesses include: Heat Attack, Stroke, Cancer, Organ Failure, Joint Replacement



Critical Illness

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 of up to $50,000 upon diagnosis of a covered illness. 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.


Exclusions (Exclusions of coverage
  1. Commit a crime
  2. if 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