Hospital Help Plan

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.