Say Goodbye to Outpatient Deductibles
Premium insurance coverage without the premium price tag. No outpatient deductibles, no hidden fees, just honest protection for you and your family.
Why should you have to pay to use your insurance? With our plans there is no deductible unless you are admitted to the hospital or ICU.
Plan Highlights
Traditional insurance doesn't work for everyone anymore. Our plans take an innovative approach, offering the flexibility you need while rewarding smart, informed decision-makers.
One size does not fit all
Our plans are fully customizable, giving you complete control over the type and amount of coverage you need for every situation. Build protection that fits your life—nothing more, nothing less. Plus, when you bundle multiple plans, you unlock our most comprehensive coverage options, ensuring you're protected from every angle.
Smart shopping pays off
With our plans, smart shopping pays off. When you find great deals and your claim costs come in lower, we return the extra dollars back to you. You save and get rewarded for it.
First Health Network
Nationwide Provider Access
We're part of the nation's largest network, giving you access to extensive in-network options. You're free to go out-of-network and still receive the same benefits but when you choose in-network providers, you enjoy additional discounts and a higher chance of receiving excess benefits.
AM Best Rated
Financial Stability
As an A-rated carrier by AM Best, we demonstrate an excellent capacity to meet all policy and contract obligations. This rating signifies strong financial health, dependable stability, and a high likelihood of paying claims promptly, even in difficult economic conditions or periods of significant claims activity.
Why Choose PALIC
Our underwritten plans are designed to save you money while providing comprehensive coverage when you need it most.
Zero Outpatient Deductibles
Visit your doctor, get lab work, or see a specialist without paying a deductible first. Your coverage starts working from day one.
Comprehensive Coverage
From routine checkups to unexpected emergencies, our plans cover the full spectrum of your healthcare needs with no surprises.
Transparent Pricing
Know exactly what you pay. No hidden fees, no surprise bills. Just straightforward pricing that makes sense for your budget.
Watch: Understanding Your Coverage
How Our Plans Work
Understanding your insurance shouldn't require a law degree. Here's how our underwritten plans save you money:
- No deductible for outpatient visits - see a doctor without upfront costs
- Deductibles only apply to hospital admissions and ICU stays
- Nationwide network with over 5,000 hospitals
- Up to 40% savings compared to marketplace plans
Get Covered in 3 Simple Steps
Easy, quick, and affordable — your coverage is just three steps away.
Answer a few questions
Provide some basic information in our quote form so we can tailor a plan that best fits your needs.
What Our Customers Say
Real stories from real people who switched to our zero-deductible plans.
“I was paying thousands in deductibles every year before switching to PALIC. Now I can see my doctor without worrying about the bill. The savings have been incredible for my family.”
“The claims process is so simple, and I love that there are no surprise bills. I recommend PALIC to everyone I know who is frustrated with their current insurance.”
Ready to Stop Paying Outpatient Deductibles?
Join thousands of Americans who are saving money with our zero-deductible outpatient plans. Get your free quote in under 2 minutes.
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