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5Star Healthcare Indemnity Plan

Start coverage as early as April, 22

About 5Star Healthcare Indemnity Plan

The 5Star Healthcare Indemnity Plan provides each Member coverage under a Group Hospital Indemnity Insurance policy. The 5Star Healthcare Indemnity Plan helps with first dollar benefits on routine, everyday medical expenses like doctor’s office visits, wellness care visits, lab & imaging services, hospitalization, and more. It also works well to help offset out-of-pocket costs of an ACA metal plan, high deductible health plan or even a short term medical plan.

The 5Star Healthcare Indemnity Plan also provides members with access a variety of health care programs, services and discounts, through the Health Depot Association. These non-insured benefits work as a complement to the insured benefits and can help members save money and better manage their everyday healthcare expenses. Whatever the circumstance, the 5Star Healthcare Indemnity Plan may be the answer your clients are looking for.

Association Benefits

VAB Health Care Solutions

Laboratory Testing


MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.

Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.

Not available in AL, IL, OK, UT, VT, WA.

Diagnostic Testing


Radiology tests have become key tools for physicians to help diagnose and monitor disease. Through One Call Care, our members can save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor. Make the most out of your health plan and take advantage of optimal quality, convenience, and savings with just one call.

Not available in AL, OK, UT, VT, WA.

Hearing Products and Screenings


Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.

Not available in AL, IL, OK, UT, VT, WA.

EyeMed Vision Network Savings

EyeMed Vision Network Savings

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.

Not available in AK, OK, UT, VT, WA.

Diabetic Supplies

Diabetic Supplies

Through this program, you can get your diabetic testing supplies shipped directly to your door each month at a savings of up to 50% less than the retail drug store prices, including glucose meter, ultra-thin lancets, test strips and carrying case! Monthly fees are based on the number of testing times per day and the supplies will meet your monthly need. There are no health restrictions and no limit on the number of times a year you can use this service.

Not available in AL, IL, OK, UT, VT, WA

IDLife Nutritional Products

IDLife Nutritional Products

IDLife products are scientifically formulated to help you by providing therapeutic doses of specific nutrients to:

  • Restore nutrients depleted by your Rx program
  • Help your body resist Rx side effects
  • Improve your overall nutrition status thus optimizing your health

Additionally, they have been pre-screened to avoid drug/nutrient interactions that may be present with your current vitamin program.

Value Added Benefits

MultiPlan PPO Network

The MultiPlan Limited Benefit Plan Network is a Preferred Provider Organization (PPO). A PPO is a network of health care providers who agree to provide services at a pre-negotiated rate. The MultiPlan Network is an important feature of your Health Depot Plan. You have access to thousands of hospitals, practitioners and ancillary facilities who have agreed to significant discounts on their medical services. The MultiPlan Network includes nearly 4,700 hospitals, 95,000 ancillary care facilities and more than 700,000 healthcare professionals nationwide.

With discounts averaging 42% for physicians and specialists—the types of services most typically used with these plans—Health Depot members get more value for their benefit dollars.


Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹ . It’s health care that fits in the palm of your hand.

ScriptSave Rx Savings Card

The ScriptSave Prescription Savings Card provides you access to discounted prescription drug prices. All household members can use the same card – including pets, if the pet medication is a common drug that is also used by people. There are no limits on how many times members and their family can use the card.

Insured Benefits

Group Hospital Indemnity Insurance Coverage

5Star Life Insurance Company

Hospital Confinement Daily Income Benefit
Daily Benefit Amount$500
Maximum Number of Days per Coverage Year30
Critical Care Unit Daily Benefit
Daily Benefit Amount$500
Maximum Number of Days per Period of Confinement15
Surgery Benefit
Maximum Daily Benefit Amount Per Inpatient Surgeryup to $750
Maximum Daily Benefit Amount Per Outpatient Surgeryup to $750
Maximum Daily Benefits for Surgeries per Coverage Year5
Total Maximum Surgery Benefit Amount per Coverage Year$3,000
Administration of Anesthesia Benefit
Daily benefit per Administration amount for Inpatient Surgery20% of related surgery benefit
Maximum Anesthesia Daily benefit amount for Inpatient Surgery$150
Daily benefit per Administration amount for Outpatient Surgery20% of related surgery benefit
Maximum Anesthesia Daily benefit amount for Outpatient Surgery$150
Hospital Admission Benefit for Childbirth1
Per Hospital Admission benefit amount$1,000
Maximum Admissions per Coverage Year1
Emergency Room Visits Benefit
ER Visit daily benefit amount for the treatment of a Sickness$50
Maximum daily benefits per Coverage Year3
ER Visit daily benefit amount for the treatment of an Injury$250
Maximum daily benefits per Coverage Year2
Doctors' Visits Benefit
New Patient Visit daily benefit amount$50
Maximum daily benefits per Coverage Year1
Established Patient Visit daily benefit amount$50
Maximum daily benefits per Coverage Year5
Consultation per visit amount$100
Maximum daily benefits per Coverage Year1
Diagnostic Laboratory Tests Benefit
Diagnostic Laboratory Tests daily benefit amount$30
Maximum daily benefits per Coverage Year2
Diagnostic Radiology Tests Benefit
Magnetic Resonance Imaging (MRI) daily benefit amount$500
Maximum daily benefits per Coverage Year1
Computerized Tomography (CT) Scan daily benefit amount$300
Maximum daily benefits per Coverage Year1
All Other Radiology Tests daily benefit amount$50
Maximum daily benefits per Coverage Year2
Wellness Care Visits Benefit
Annual Physical daily benefit amount$100
Maximum daily benefits per Coverage Year1
Mammogram Screening daily benefit amount$100
Maximum daily benefits per Coverage Year2
Prostate Cancer Screening daily benefit amount$100
Maximum daily benefits per Coverage Year1
Cervical Cancer Screening daily benefit amount$100
Maximum daily benefits per Coverage Year2
Outpatient Facility Visits Benefit
Daily benefit amount for Exercise Cardiac Stress Test$50
Maximum daily benefits per Coverage Year1
Daily benefit amount for Chemotherapy Treatment and/or Kidney Dialysis$250
Maximum daily benefits per Coverage Year3
Durable Medical Equipment Benefit
Benefit amount per purchase and/or rental$50
Maximum benefits per Coverage Year (purchase and/or rental)1
Private-Duty Nursing Care and Home Health Care Benefit
Private-duty Nursing and Home Health Daily benefit amount$50
Maximum daily benefits per Coverage Year2


Other Information

Monthly Rates

5Star Group Hospital Indemnity Insurance Coverage Monthly Rates
Member + Spouse$191.92
Member + Child(ren)$183.51
Member + Family$258.95
Rates include a $9.00 monthly fee for the Health Depot Association/Value-Added Benefits and provides access to those benefits for all insureds on the 5Star policy. (Members enrolled in multiple 5Star plans will only incur one $9.00 monthly fee for the Health Depot membership.) Rates also include a $15 monthly Hospital Indemnity Administrative Fee and a $4.12 monthly MultiPlan PPO Network access fee.

Program Manager

American Online Benefits Group (AOBG) is a program manager and master general agent (MGA) of affordable health, life, dental, vision, accident and prescription benefit plans. As an industry leader with over 28 years of experience in the health, life and supplemental insurance markets, our focus is to design, develop and market quality and affordable products for the clients and members we serve. Our product concept is to provide the greatest amount of value and the highest quality of service to our insured customers. These high standards are achieved by partnering with highly rated insurance carriers, well established national associations and trustworthy marketing agencies.

About the Carrier

5Star Life Insurance Company

5Star Life Insurance Company (5Star Life), a related enterprise of the Armed Forces Benefit Association (AFBA), is a growing provider of supplemental and voluntary life insurance products, with no war or terrorism exclusions*. Our flexible business model enables us to serve the needs of our diverse clientele — as a life insurance advisor to individuals and organizations, and as a trusted partner to brokers. We offer a growing portfolio of employee benefit plans to fit every need and budget. Insurance is sold by 5Star Life contracted independent brokers/producers committed to offering insurance products customized to fit the needs of their clients.

Founded in 1996, today 5Star Life insures over 800,000 lives with $41.8B insurance in force. With a growing, innovative product portfolio, leading edge service and support options combined with our expertise and core values, you have our support and commitment to make it easy to do business with us.

*Exclusive to the life insurance products.

Membership Eligibility

You must:

  • be between the ages of eighteen (18) and sixty-five (65) on the effective date;
  • reside in an available state;
  • be actively at work – you are an eligible employee/member of the employer/affiliation through which you are applying for this insurance; you are able to work and to perform the normal activities of a person of like age and gender; and you are not confined in a hospital, at home or elsewhere due to injury or sickness on the date you signed this application.

Lawful Spouse or Civil Union or Domestic Partner accepted.

Your Dependent Children are eligible from fourteen (14) days to twenty-six (26) years.

N/A in AK, CA, CO, CT, DE, DC, GA, HI, ID, LA, ME, MD, MI, MN, MT, NV, NH, NJ, NM, NY, NC, ND, OK, OR, SD, TX, UT, VT, VA, WA, WV, WY.

Health Care Discounts Disclosure

Not Available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.
The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act.
The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., P.O. Box 630858, Irving, TX 75063. You may call 855-351-7535 for more information or visit for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Alliance HealthCard of Florida, Inc. does not guarantee the quality of the services or products offered by individual providers. You have the right to cancel your membership at any time. If you cancel your membership within 30 days of the effective date, you will receive a full refund of all periodic charges. The processing fee is non-refundable except in AR, MD and TN. To cancel you must, notify the Health Depot Association verbally or in writing; notify Health Depot Association at 6801 Gaylord Parkway, Suite 402, Frisco, TX 75034 or by calling 855-351-7535. We will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after cancellation. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint.
Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.
Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.


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