Limited Benefit Medical

The HD Essential Select membership provides members with access to a variety of health care programs, services and discounts to help you manage your everyday healthcare expenses, as well as consumer and lifestyle discounts and business solutions.

The HD Essential Select membership also provides each Member coverage under Accident and Sickness Limited Benefit Cash Insurance. HD Essential Select Insurance benefits can help with out-of-pocket medical expenses as well as living expenses. And, these memberships are offered year round versus short enrollment periods. Whatever your circumstance, an HD Essential Select membership may be the answer you are looking for.

When it comes to our health, life can throw a lot of curve balls. So, when an illness strikes, worrisome symptoms may appear or the unexpected happens, HD ClearPoint can help. The insurance benefits that come with this membership can help offset the expenses incurred with a covered sickness, condition or accident. And, with included physician office visits and a fully insured outpatient generic prescription drug benefit, HD ClearPoint provides additional tools to help members manage the out-of-pocket costs that can quickly add up with an illness or injury.

Fidelity Security Life Insurance Company^® (FSL) provides this Group Fixed Indemnity Limited Benefit Medical insurance, which is not intended as a replacement for comprehensive major medical coverage, and it does not comply with the requirements of the Affordable Care Act (ACA).

With ClearPoint, HD members will also gain access to health and wellness resources, along with valuable discounts and tools designed to complement their insured benefits and maximize their savings.

The HD True Protection membership includes discounts and special offers on a variety of Consumer, Business and Health Care programs, services and discounts PLUS Accident and Sickness Limited Benefit insurance to help with out-of-pocket medical expenses, as well as living expenses. Additionally, the True Protection Max membership includes Term Life insurance for the Primary Member. And these memberships are offered year round with an option of 5 plan levels to choose from to best fit your needs.