The Future of Health Coverage Has Arrived
Get medical coverage plus cash benefits together. One ID card. One application. One smart protection strategy.
Designed for healthy individuals, families, students, self-employed pros, business owners, and anyone looking for an alternative to expensive ACA or COBRA plans.
One Card. Two Plans.
Medical Expense Shield combines a Short Term Medical plan with a Fixed Benefit plan — working together to protect both your health and your income.
Short Term Medical
Major medical coverage that pays most covered expenses at 100% after deductible.
Fixed Benefit
Pays cash benefits directly to you for covered medical services — first dollar.
Fixed Benefit pays cash directly to you
As covered medical expenses occur, your Fixed Benefit plan pays cash benefits directly — regardless of provider charges.
Out-of-pocket accrues toward your deductible
Your spend on covered services builds toward the Short Term Medical deductible.
Major medical kicks in at 100%
Once your deductible is met, the medical plan pays most covered expenses at 100%.
Fixed benefits keep paying
Cash benefits continue as eligible claims occur — even after deductible is met.
Why Members Love Medical Expense Shield
Aetna PPO Network
Nationwide provider access through Aetna Open Choice PPO.
Cash Paid Directly To You
Benefits paid regardless of actual provider charges.
First Dollar Benefits
Hospital confinement benefits available immediately.
No Separate Deductible
Fixed Benefit coverage starts helping right away.
12 / 24 / 36 Month Terms
Flexible coverage lengths that fit your life.
Renewable Coverage
Auto-renewal options based on eligibility.
No Annual Caps
No annual or lifetime maximums on Fixed Benefit coverage.
Predictable Costs
Know exactly what benefits your plan provides.
Built for smart protection at every life stage
Choose your Coverage Level
Covered Core
Lower monthly investment
- Predictable cash benefits
- Protection from common medical expenses
- Ideal for budget-conscious individuals
- Aetna PPO network access
Covered Plus
Enhanced benefit levels
- Higher reimbursements
- Additional protection
- Maximum peace of mind
- Ideal for families & professionals
Included Through Recuro Health
Convenient, affordable prescription coverage built into your membership.
People are leaving overpriced plans for smarter protection
Available now in your state
Need help choosing?
Meet with Keith.
Licensed Health Benefits Specialist. Get a personalized review of your options and a quote tailored to your needs.
Ready to see your options?
Start your enrollment in minutes. Quotes are instant — no obligation.
Start EnrollmentGet your custom quote
Tell us a bit about you and Keith will follow up with personalized recommendations.
Real results, real protection
Saved hundreds compared to my previous plan.
The cash benefits helped cover unexpected expenses.
Simple enrollment and great provider access.
Perfect solution between jobs.
Your benefits in a futuristic app
Everything you need to manage your protection — all in one place.
Stop overpaying for health coverage.
Get medical protection + cash benefits together. One card. One application. One smarter solution.