Choose Your Pivot Health FlexProtect Bundle
Each FlexProtect plan bundles accident cash, income protection and, on the two upper plans, critical illness cash into one monthly price. Prices below are a real Pivot quote for a 46-year-old in Chicago (ZIP 60657) on October 3, 2026, and include the required $22.50 association membership.
FlexProtect
Accident cash and income protection
$34.82 per month
- Accident Medical Expense: $2,500 a year
- Accidental Death: $25,000
- Disability Income: $500 a week
- Critical illness: not included
Best for healthy people who want a low-cost cushion against an injury.
FlexProtect Pro
Accident, income and illness protection
$42.29 per month
- Accident Medical Expense: $5,000 a year
- Accidental Death: $25,000
- Disability Income: $500 a week
- Critical Illness (cancer, heart, stroke): $5,000
Best for most people: a balance of price and protection.
FlexProtect Freestyle
Accident, income and illness protection
$50.14 per month
- Accident Medical Expense: $10,000 a year
- Accidental Death: $25,000
- Disability Income: $500 a week
- Critical Illness (cancer, heart, stroke): $10,000
Best if you have a high deductible or a family budget to protect.
One association membership ($22.50 a month, already in each price) covers every FlexBenefits plan you add, so you can combine plans. Dental and vision plans are also available through the same quote.
How Each Bundle Pays on Real Medical Claims
Claim 1: Broken leg: ER, surgery and a 2-night hospital stay
Total bill: $24,000
| Coverage | Plan pays | You pay |
|---|---|---|
| ACA plan only | $15,000 | $9,000 |
| A Flex bundle on its own (no other coverage) | ||
| FlexProtect | $2,500 | $21,500 |
| FlexProtect Pro | $5,000 | $19,000 |
| FlexProtect Freestyle | $10,000 | $14,000 |
| ACA plan plus a Flex bundle | ||
| ACA + FlexProtect | $17,500 | $6,500 |
| ACA + FlexProtect Pro | $20,000 | $4,000 |
| ACA + FlexProtect Freestyle | $24,000 | $0 |
Accident Medical Expense pays covered accident bills that your other plan does not, up to the yearly maximum. All three plans also pay $500 a week of disability income if you cannot work (after a 14-day wait, up to 13 weeks).
Claim 2: Heart attack: hospital stay and stent
Total bill: $30,000
| Coverage | Plan pays | You pay |
|---|---|---|
| ACA plan only | $21,000 | $9,000 |
| A Flex bundle on its own (no other coverage) | ||
| FlexProtect | $0 | $30,000 |
| FlexProtect Pro | $5,000 | $25,000 |
| FlexProtect Freestyle | $10,000 | $20,000 |
| ACA plan plus a Flex bundle | ||
| ACA + FlexProtect | $21,000 | $9,000 |
| ACA + FlexProtect Pro | $26,000 | $4,000 |
| ACA + FlexProtect Freestyle | $30,000 | $0 |
Critical illness pays a one-time cash benefit when you are diagnosed with a covered condition, whatever the hospital bill turns out to be. FlexProtect (the base plan) has no critical illness benefit.
Claim 3: Sprained ankle: ER visit, X-ray and a walking boot
Total bill: $3,200
| Coverage | Plan pays | You pay |
|---|---|---|
| ACA plan only | $0 | $3,200 |
| A Flex bundle on its own (no other coverage) | ||
| FlexProtect | $2,500 | $700 |
| FlexProtect Pro | $3,200 | $0 |
| FlexProtect Freestyle | $3,200 | $0 |
| ACA plan plus a Flex bundle | ||
| ACA + FlexProtect | $2,500 | $700 |
| ACA + FlexProtect Pro | $3,200 | $0 |
| ACA + FlexProtect Freestyle | $3,200 | $0 |
A smaller bill that sits inside a typical ACA deductible, which is where cash from a Flex plan helps most.
What to Know Before You Enroll
- FlexProtect plans supplement your health coverage. They are not major medical insurance and do not satisfy the ACA coverage requirement.
- Accident Medical Expense reimburses covered accident expenses that your other health plan does not pay, up to your yearly maximum, within 180 days of the accident.
- Critical illness pays on a first-ever diagnosis of a covered condition, after a 30-day waiting period. Cancer benefits are lower in the first 90 days.
- Disability income is for the primary member only and requires being employed at the time of the accident.
- An association membership (Communicating for America, not insurance) is required and is included in every price shown.
- Exclusions apply, including work-related injuries and certain high-risk activities. Read the brochure for the full list.
Get Your Personal FlexProtect Quote
Prices depend on your age and ZIP code. Our licensed Illinois agents will help you pick the right bundle at no cost.
Flex Accident and Flex Critical Illness are insurance products underwritten by Companion Life Insurance Company. They do not provide minimum essential coverage. Membership in Communicating for America is required and is not insurance. Benefits, availability and prices vary by state, age and plan; the prices shown are from a sample Illinois quote (age 46, ZIP 60657, October 3, 2026). Claim examples are illustrations, not guarantees of payment, and assume the plan has been in force long enough for the benefit to apply. Read the FlexProtect brochure for complete terms, limits and exclusions.