Flex Benefits | Direct Benefits Agent Resource Center

FlexBenefits

FlexBenefits offers smart, supplemental insurance options to help your clients handle the financial impact of accidents, illness and unexpected healthcare needs. There are 3 plan series, FlexAdvantage, FlexGap, and FlexProtect. These packages are designed to align with underlying medical plans with adjustable benefit levels.

Get Appointed with FlexBenefits

Complete the form and send to concierge@directbenefits.com

Flex Advantage Series

Designed specifically to complement Medicare Advantage plans by helping fill coverage gaps and reduce unexpected expenses.

FlexAdvantage Essential – Cash for Hospital Stays and Accidents – Accident Medical Expense (covers all medically necessary treatment including physical therapy and skilled nursing facilities) – Accidental Death benefit – Sickness Hospital stays.
FlexAdvantage Plus – Cash for Hospital Stays and Accidents Plus – includes FlexAdvantage Essential benefits PLUS coverage for physician/urgent care visits, ER cash, and surgical daily benefits
FlexAdvantage Max – Cash for Hospital Stays, Accidents and Illness Plus – Builds on FlexAdvantage Plus benefits with Wellness benefits and Critical Illness options (up to $30,000)

FlexGap Series

Built for people with ACA marketplace plans, offering protection against high deductibles and coinsurance.

FlexGap Share - Cash for Accidents and Income Protection – Accident Medical Expense (covers all medically necessary treatment including physical therapy and skilled nursing facilities) – Accidental Death benefit – Accident Disability Income benefit.
FlexGap Essentials – Cash for Accidents, Income and Illness Protection – includes FlexGap Share benefits PLUS coverage for Hospital Stays for Sickness and Critical Illness options (up to $30,000). Default benefits are a great starting point for Silver plans.
FlexGap Complete – Cash for Accidents, Income and Illness Protection – Builds on FlexGap Essentials benefits with options Physician Office Visit/Urgent Care and Surgical benefits. Default benefits are a great starting point for Bronze plans.

FlexProtect Series

Tailored for the under age 65 alternative health insurance market—such as Short-Term Medical (STM) plans—to help safeguard against surprise medical bills.

FlexProtect – a low-cost accident plan designed protect against out-of-pocket costs and cover household expenses in case of an accident disability – benefits you need to get you back on your feet and back to work. Plus, virtual care benefits for urgent care, primary care and mental health care with no copays–saving you money, reducing time off and the convenience of 24×7 care.
FlexProtect Pro – All the benefits of our basic FlexProtect plan plus additional coverage for sickness and critical illnesses – flexible protection to fit alongside STM, ministry sharing plans, simplified funding arrangements and more.
FlexProtect Freestyle – Our broadest coverage options design to allow you to build the plan you need – whether to fill gaps in underlying coverage or to create standalone coverage to bridge you to your next major medical plan.

Simple, easy to use platform
GUARANTEED issue, enrollments up to age 79
No tobacco loads or for height & weight
No annual or age band rate increases
Association benefits include virtual care for your clients and pets

How is FlexBenefits unique?

Association Members – Communicating for America

FlexBenefits are a group association product. Membership is required to purchase accident and CI coverage. Only the primary applicant must become a member. The member benefits extend to all persons listed on the enrollments:

Basic membership (Flex 1):