Overview of the Healthcare Discounts Program from HealthCove
HealthCove offers a national Healthcare Discounts program designed for agents and brokers who need an affordable, easy-to-place solution for clients without access to traditional group coverage. The program provides year-round savings across a wide range of medical services and is available to individuals and families regardless of insurance status. It is particularly useful for self-employed, part-time, gig workers, and small employers who want to reduce out-of-pocket costs for routine and specialty care.
Ideal Accounts and Appetite
This program fits well for:
- Self-employed professionals and independent contractors without group plans
- Uninsured or underinsured individuals and families seeking predictable discounts
- Gig-economy and part-time workers who don’t qualify for employer-sponsored benefits
- Small businesses looking for low-cost, value-added benefits for employees
Example accounts you might place: a freelance consultant who needs affordable dental and prescription savings, or a two-person landscaping business that wants employee benefit options without the cost of group medical plans.
Coverage Highlights and Advantages
HealthCove’s Healthcare Discounts program bundles common savings and value-added services agents can present to clients who need lower-cost access to care:
- Discounts on medical visits and hospitalization services
- Dental, vision, chiropractic, and hearing aid savings
- Prescription drug discounts accepted at 50,000+ pharmacies nationwide
- 24-hour Nurseline for on-demand medical guidance
- A $100,000 Accidental Death & Dismemberment (AD&D) benefit included
Network breadth is a selling point: more than 350,000 physicians and 21,000 dentists, with vision benefits accepted at major vision centers—helping members access care locally and on a national scale.
Underwriting Notes and Minimum Premiums
This offering is a discount healthcare benefits program, not an insurance policy. There are no medical underwriting questions or eligibility gates based on health history, age, or employment status. The program is structured for broad accessibility and affordability. (No minimum premium is specified in this listing.)
Territories and Availability
The Healthcare Discounts program is available nationwide: all 50 states plus the District of Columbia (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY).
Why Work With HealthCove
HealthCove specializes in discount benefits that complement traditional insurance or serve clients who lack coverage options. Agents benefit from a program that is simple to present, easy to enroll, and broadly accessible. The combination of a wide provider network, prescription savings, a 24-hour nurse line, and an included AD&D benefit makes the program a competitive non-insurance solution for everyday healthcare needs.
Get Started
To offer this program to your clients, complete the form on this page and submit your request.
Yes! I want to know more about the HealthCove Benefits program. Please contact me.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for uninsured or underinsured individuals, self-employed professionals, gig workers, and small business employees who need affordable access to a range of healthcare services.
Is this a health insurance policy?
No. This is a healthcare discount benefits program that connects members to discounted rates for medical services, prescriptions, dental, vision, and other healthcare products. It is not a replacement for health insurance.
Are there any underwriting requirements?
No underwriting is required. Individuals and families may enroll regardless of age, medical history, or employment status.
What geographic areas does this program cover?
The program is available nationwide, in all 50 states and the District of Columbia.
Can agents earn commissions on this program?
Yes. Agents can earn commission when placing business through HealthCove’s Healthcare Discounts program; commission details are provided during the placement process.
Need help placing an account? Connect with a market specialist.