Important benefits at the right price

This well balanced plan brings care to the forefront by providing first dollar set benefits to help pay for doctor visits, surgeries, prescriptions, hospital stays, and more - all at an affordable price!

When it comes to member resources, no one is as "extra" as us

As pioneers of this unique and alternative approach to healthcare, we know how important it is to have the right tools. Our all-star line up of Fair Pricing Tools are carefully selected to help guide our members to savings and quality care. And, they are provided at no extra cost to insureds. A win, win, win!

Our all-star line up of Fair Pricing Tools - all provided at no additional cost to insureds:

• Coral Bundled Care Saver
• PAL Rx Saver, Powered by Drexi
• New Era Telehealth unlimited $0 virtual urgent care visits
• New Era Telehealth virtual psychiatry care
• New Era Telehealth virtual dermatology
• New Era Telehealth "Ask a Doctor"
• First Health Network
• Fair Pricing Tool
• Point Health
• Healthcare PALs
• Benefit PAL Mobile App

No one bundles quite like we do

Our plans are designed to provide an affordable alternative solution to ACA or major medical coverage.

In order to make this alternative approach work, we must address consumers' top three healthcare concerns. These are:

1. Affordable premiums
2. Affordability to use plan with minimal out-of-pocket expenses
3. Reasonable comprehensive coverage

Are you checking all the boxes when it comes to your client's insurance needs? PAL checks all three!

1. Affordable premiums

Members save 40% - 50% on average for premiums compared to ACA or major medical plans.

2. Affordability to use plan with minimal out-of-pocket expenses

Members don't have to worry about paying deductibles, copays or coinsurance before their coverage begins. Our benefits are paid the very moment an insurable event occurs, which helps reduce and often eliminates members' out-of-pocket costs.

3. Reasonable comprehensive coverage

We are the only company that can bundle comprehensive coverage with our hospital indemnity plans. We do this by bundling our unique Specified Disease and Individual Accident Expense (Catastrophic) plans.

Easily earn an extra 5% premium bonus in the first year

That's right! We're offering an extra 5% premium bonus (3% for the writing agent and 2% for the FMO & agency manager combined) for each qualifying HCS policy issued and paid beginning March 13th. The bonus payment will occur once the policy has been in-force for 13 months. No persistency or loss ratio requirements!

Agents can earn even more with our ongoing cash bonuses and incentives throughout the year!

• Ongoing new business bonuses - currently up to $300 per qualifying bundled sale!
• Monthly Lead Program Bonus
• Persistency Bonus
• Leaders Conference in Banff, Canada

Your clients are backed by an AM Best A- (Excellent) Rated company

2022 was a great financial year for New Era and PAL!

AM Best Rating Upgrade

Throughout 2022, New Era's financial strength continued to be outstanding in AM Best's A rated category. In fact, we earned an A- (Excellent) Rating from the most trusted and respected independent rating agency, AM Best. AM Best has over 100 years of experience in rating insurance companies!

Capital and Surplus Increase

Our statutory capital and surplus, and our adjusted statutory capital and surplus, is expected to increase more than 10%.

We anticipate an even better 2023 financial year, despite the possibility of it being a recession year.