Looking For Information about the Family Motor Coach Association (FMCA) Health Plan? We’ve Got A Better One!

 These are not ACA ‘Obamacare’ plans and should not be mistaken for ‘major medical health insurance’. Instead these are fixed-benefit health plans that indemnify either you or your medical provider for medical services rendered at a fixed benefit level.

Lately we have been getting asked about the new healthcare plan that the FMCA is offering its members-only. They are promoting it but the details are elusive to say the least. Well, we’ve got you covered. The plan being offered by FMCA is a fixed-benefit health plan offered from New Era/Philadelphia American insurance companies (rated B++ ‘good’ by A.M. Best).

We don’t just recommend our United Healthcare plan — We also have it ourselves!

We also offer a fixed-benefit health plan to the RV community and feel strongly that ours is far better than the one you can get from the FMCA (which you have to have a 2 year membership to purchase).

But don’t take our word for it! We have all of the details as well as a comparison chart for you. We have taken the top plans from FMCA’s offering and the top plans from our United Healthcare (rated “A Excellent” by A.M.Best, and specifically for ‘insurance claims paying ability’) options and placed them side-by-side for you to compare.

The chart below also compares a third option from Axis Capital, only available from RVer Insurance Exchange, which is available on a guaranteed issue basis in cases where you can not qualify medically for the United Healthcare plan.

In addition to the overview comparison below we also have the complete benefit details available for you to compare in closer detail:

Click here to view the details of the United Healthcare fixed benefit plan offered by RVer Insurance Exchange

You can also click here to go to our other page dedicated to the United Healthcare plan we offer.

Click here to view the details of the New Era fixed benefit plan offered to FMCA members-only

Fixed Benefit Plan (FBP) Comparison

Health Protector Guard/Core Access Plans

Health Care Select
Health Choice Select (New Era/FMCA)

BEST Fixed Benefit Plan!

Guaranteed Issue!

Enroll Through RVer Insurance Exchange!
Guaranteed Issue – No Medical Questions
Same Rates for All Ages
Includes $5k Life Insurance, $20k Critical Illness, and $25k Accident Death benefits (cash)
Enrollment Open all Year
Insurance Company Rating by A.M. Best

A (Excellent)

A+ (Superior)

B++ (Good)

Nationwide Network

YES (PHCS Multiplan)

YES (First Health)

YES (PHCS Multiplan)

Lifetime Benefit Maximum




Annual Benefit Maximum



$250k, $500k, $1M

Maximum Days Paid for Inpatient



unlimited to Calendar Year Max $250k-$1M (also subject to Lifetime Max $5M)

Maximum Daily Inpatient Sickness Benefit




Maximum Daily Inpatient Injury Benefit




Maximum Daily Inpatient Surgery Benefit



Based on Medicare Reimbursement Rates

Maximum Daily ICU Benefit




Maximum Daily Outpatient Surgery Benefit

$10,000 x unlimited

$2000 once (plus $10000 if Accident)

Based on Medicare Reimbursement Rates

$0 Deductible Plans

$0, $1k, 2.5k, and $5k available

Maximum Daily Urgent Care/Office Visit Benefit




Maximum Days Paid for ICU

31-60 per confinement



Maximum Anesthesia Benefit

30% of surgery benefit

$625 x 1

25% of surgery benefit

Pays Separate Assistant Surgeon Benefit

20% of surgery benefit

20% of surgery benefit

RV Club Membership Required?




Emergency Room Maximum Benefit

$500 x 2

$300 x 1

$250 x 2

Preventive Care Annual Benefit




Air and Ambulance Maximum

$1000 ground/$5000 air

$10000 accident benefit can be used, $25000 critical illness benefit can be used

$500 ground/$1500 air

Where Can I See Plan Details?

Plan Details

access code khtx5445

Where Can I Enroll?

Plan Details

access code khtx5445

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