Ideal Flex Series Hospital Indemnity in Alabama | Brokers Fidelity

Ideal Flex Series Hospital Indemnity in Alabama

Available Statewide with Brokers Fidelity & American Home Life

The Ideal Flex Series Hospital Indemnity Plan is now available in Alabama, underwritten by American Home Life Insurance Company and distributed by Brokers Fidelity. From the busy cities of Birmingham and Montgomery to rural communities throughout the state, Alabama agents can now offer clients a flexible, modern hospital indemnity solution that closes common Medicare gaps.

With more than 1.2 million Medicare beneficiaries in Alabama, there’s a growing need for plans that address the out-of-pocket costs Medicare doesn’t fully cover—like inpatient hospital stays, observation care, and ER visits. That’s exactly where the Ideal Flex Series shines.

Why Alabama Agents Love This Plan

Alabama has long been a Medicare Supplement stronghold, particularly in rural areas where network-based plans like Medicare Advantage can be restrictive. That means many seniors face gaps in Part A coverage—especially hospital-related expenses. And for clients on Medicare Advantage, copays and coinsurance can add up fast during a hospital stay.

The Ideal Flex Series is a perfect solution for both scenarios. Agents in Mobile, Huntsville, Tuscaloosa, and beyond are already using it to deliver peace of mind and supplemental income protection for their clients.

Product Highlights for Alabama Agents

  • 72.5% Street Commission — Among the best in the industry
  • Guaranteed Issue Window — Ages 64.5 to 67, no health questions
  • 12% Household Discount — Applies to partners and roommates
  • Built-In Benefits — ER/Urgent Care, Mental Health, Pet Boarding, Observation, Travel Lodging
  • 10 Optional Riders — Including ambulance, outpatient surgery, SNF, and more
  • Fast eApp — Submit applications quickly with text or voice authorization

Full County List (Alabama)

Autauga, Baldwin, Barbour, Bibb, Blount, Bullock, Butler, Calhoun, Chambers, Cherokee, Chilton, Choctaw, Clarke, Clay, Cleburne, Coffee, Colbert, Conecuh, Coosa, Covington, Crenshaw, Cullman, Dale, Dallas, DeKalb, Elmore, Escambia, Etowah, Fayette, Franklin, Geneva, Greene, Hale, Henry, Houston, Jackson, Jefferson, Lamar, Lauderdale, Lawrence, Lee, Limestone, Lowndes, Macon, Madison, Marengo, Marion, Marshall, Mobile, Monroe, Montgomery, Morgan, Perry, Pickens, Pike, Randolph, Russell, St. Clair, Shelby, Sumter, Talladega, Tallapoosa, Tuscaloosa, Walker, Washington, Wilcox, Winston

Who Should You Target?

  • Clients choosing Medicare Advantage plans with hospital copays
  • Traditional Med Supp clients looking for added peace of mind
  • Veterans and Tricare beneficiaries with gaps in civilian hospital care
  • Seniors living in rural counties with limited hospital access

Get Appointed in Alabama

We make it fast and easy to start selling the Ideal Flex Series in Alabama. You’ll get:

  • Online contracting with quick setup
  • Dedicated onboarding and training
  • Marketing materials and product support
  • 24-hour turnaround

Start today at www.brokersfidelity.com or email hello@brokersfidelity.com.

About Brokers Fidelity

Brokers Fidelity worked directly with American Home Life to co-develop and launch the Ideal Flex Series. We provide more than just a product—we support agents with real tools, proven strategies, and market-tested materials to help you thrive in Arizona’s competitive Medicare landscape.

Contact Us

Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603

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