Confirm your ZIP code and employer group to see if this benefit is available to you.

Up to  $200

per day for days in benefits

Benefits DOUBLE

for cancer, intensive care, or cardiac care

Coverage includes

VA hospitals and rehabilitation facilities

Coverage & Pricing

For a covered hospital stay, the plan will pay:

  • $50 for each and every day beginning with your day of admission through day 14
  • Then doubles to $100 for each and every day beginning on your 15th day through day 30
  • Then doubles to $200 for each and every day beginning on your 31st day through day 365

The above benefit levels DOUBLE for covered hospital stays due to cancer, or when you are confined in the cardiac care or intensive care unit. That means $100 a day from day 1-14; $200 a day from day 15-30; $400 a day from day 31 through 365.

Monthly Rates for NRA Members & Spouses:

  • Under 50: Member Only $7.38 | Member & Spouse $14.76
  • 50-64: Member Only $12.66 | Member & Spouse $25.32
  • 65+: Member Only $14.50 | Member & Spouse $29.00

Administrative fees apply: $3.50/month for direct bill, $3.00/month for credit card, $1.25/month for automatic checking withdrawal.

Plan Pricing & Options

View Full Rate Chart (Opens in a new window)

Why Members Love Us

Patient in wheelchair around hospital

Hospital costs continue rising and there’s currently no end in sight. The Hospital HELP Plan provides essential financial protection when you need it most. NRA Members receive guaranteed acceptance regardless of age or health status.

Frequently Asked Questions

Benefits can feel complex. We’re here to help.

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Generally, the answer is “no.” Medicare may not pay all your hospital costs. Medicare and most major medical insurance plans require you to pay a deductible, co-payments, and goods and services in the hospital not covered by your plan.

Absolutely not. There are NO medical exams or health questions involved when you sign up for this important program. As an NRA Member, you are GUARANTEED coverage.

Yes. As soon as your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Pre-existing conditions have a 12-month waiting period (6-months in ID, ME, NV, SD, UT and WY).

No. You can NEVER be singled out as an individual for cancellation or even a rate increase. There is NO LIMIT to the number of claims you can make.

You will have a no obligation 30-Day Free Look. If you’re not completely satisfied, we’ll cancel your coverage and give you a complete 100% refund.

Hospital HELP plan stands strong for VA care, too. You get $50 a day for days 1-14 and $100 a day for days 15-30, even if your VA care costs you nothing at all.

The plan does not cover routine physical exams, intentionally self-inflicted injuries, mental conditions, alcoholism/drug addiction, military service injuries in war zones, dental care (except injury), well-baby care, pregnancy (except complications), care outside the United States, or participation in riots/felonies.

  • Still have questions?

    Call one of our agents at: 1-877-672-3006

  • Need to file a claim?

    Find the information you need here >

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