Many qualify for a monthly rate of $0!

The federal government has taken several steps in recent years to progress and extend the scope of care for Americans. A crucial part of this progression is making access to it affordable during these uncertain times. For this reason, assistance in covering monthly premiums is currently available for an unprecedented number of citizens.

Many qualify for deductibles as low as $0!

Whatever your policy needs, we are committed to making your coverage and member responsibilities easy to understand. Work with an agent dedicated to taking all of the guess work out of the equation for you, letting you focus on what's really important, your health!

Find the best network for your individual needs!

We all have unique medical needs, and we strive to meet all of our clients where they are at with the plan that tailor fits their specific needs. Speak with an agent that cares just as much as you do about making sure those needs are properly met. Our team is here to assist you with making sure that your policy works for you with the best medical facilities in your area all year for every benefit year!

Easy to understand coverage that works for you.

We take our promise to every client a step further by also making a pledge to always take the time to go the extra mile on your behalf. From finding providers to scheduling appointments and filling prescriptions, we are always here to help take care of the back end work so that you can spend your valuable time focusing on your health!

  • Health issues? All of our policies will still cover you.

    Major medical insurance is regulated by federal law to cover pre-existing medical conditions. We guarantee that every policy option we work with cannot deny you coverage because of a pre-existing medical condition!

  • Prescription medications? Consider them filled.

    In an ever changing world of medicine, keeping up with medications and treatments can be a daunting task. Connect with an agent who will be with you every step of the way for your regular prescription refills, specialty doctor visits and treatments!

  • Need a doctor with your new plan? We got you covered.

    Finding the right plan to fit your unique needs is only the first step. Whether your coverage is just for the "what if" or you need it for daily use, finding the best doctors in your area and connecting you to them is our mission!

Frequently Asked Questions

What is a deductible, and how does it work?

A deductible is a specified dollar amount for which a member will be responsible before coverage applies. Most plans have specified co-payments for your typical visits doctors and trips to the pharmacy that apply before a deductible has been met. In the event of a medical emergency, you are responsible to pay for the deductible for services rendered before your plan will cover you. And the good news is most Americans qualify for $0 deductible policies!

What are co-payments?

A co-payment is very similar to a deductible, with the only difference being the dollar amount. While deductibles can sometimes reach well into the thousands of dollars for some policies, co-payments for regular doctor's visits and medications range more in the hundreds of dollars or less in most cases. The good news is that most Americans qualify for co-payments of $10 or less for doctors visits and most medications! Many even qualify for $0 co-payments on these services as well!

What is a maximum out of pocket?

A stop loss, more commonly referred to as a maximum out of pocket, is very much what is sounds like. It is the maximum amount of money you will spend out of your own pocket on your policy before the remainder of your services are covered at 100% no cost to you. The good news is that this applies to all medical services rendered for the entire year, meaning that if you happen to satisfy this number before the end of your benefit year, all of your services from doctor's visits to medications will be covered at absolutely no cost to you! Even better, most Americans qualify for historically low max out of pockets!

What is co-insurance?

Co-insurance, not to be confused with co-payment, is a specified percentage of responsibility for the member to pay up until the maximum out of pocket has been satisfied. For example, if a client has a policy that covers them at 80% for an emergency room visit, their co-insurance rate, or member responsibility, would be 20%. The good news is that co-insurance does not apply to your regular doctor's visits, prescription medication orders and trips to your local urgent care center, and co-insurance cuts off for the rest of the entire benefit year once your policy's maximum out of pocket has been satisfied!

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Our Mission

" At Covenant Directions, you're not just another policy number—you're part of our family. We pride ourselves on the friendship we build with our clients, and we're committed to spending that extra minute—or hour—to ensure your peace of mind. "

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