Ideal Flex Series Hospital Indemnity in Florida | Brokers Fidelity

Ideal Flex Series Hospital Indemnity in Florida

Now Available Through Brokers Fidelity & American Home Life

The Ideal Flex Series Hospital Indemnity Plan is approved and ready to sell across the state of Florida. Distributed by Brokers Fidelity and underwritten by American Home Life Insurance Company, this plan gives Florida agents a flexible, high-value product designed to meet the needs of Medicare beneficiaries across all counties.

Florida is home to over 4.9 million Medicare enrollees, making it one of the largest senior markets in the country. With a high percentage of retirees and a diverse population that includes both urban and rural communities, there’s no one-size-fits-all solution. The Ideal Flex Series allows agents to build customized plans that bridge Medicare gaps with guaranteed-issue flexibility, rich base benefits, and optional add-ons that meet your clients' needs — whether they’re in Miami, Ocala, Tampa, or the Panhandle.

Why Florida Needs the Ideal Flex Series

Florida’s senior population faces major decisions between Medicare Advantage and Medicare Supplement plans — but both come with out-of-pocket risks, especially during hospital stays. For Advantage enrollees, hospital copays can run hundreds or even thousands of dollars per event. For Med Supp clients, there's often a gap when it comes to observation care, mental health confinement, or travel-related coverage.

The Ideal Flex Series is a perfect cross-sell. Whether your client needs backup coverage, supplemental cash benefits, or peace of mind during retirement, this plan delivers.

Product Highlights for Florida Agents

  • 72.5% Commission — One of the highest-paying street contracts
  • Guaranteed Issue from age 64.5 to 67
  • 5 Built-in Benefits — Including Observation, ER/Urgent Care, Mental Health, Travel Lodging, Pet Boarding
  • 10 Optional Riders — Including Ambulance, SNF, Outpatient Surgery, and more
  • 12% Household Discount — Available even for roommates
  • Voice & Text Signature — Fast eApp process to close business on the spot

Full County List (Florida)

Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington

Ideal Clients in Florida

  • Seniors on Medicare Advantage plans with high inpatient costs
  • Clients in hurricane-prone areas who want extra emergency coverage
  • Retirees on fixed incomes needing budget-friendly peace of mind
  • Veterans using TRICARE or VA but needing civilian hospitalization options

Get Appointed in Florida

We make it easy for you to start selling. We provide:

  • Step-by-step online contracting
  • On-demand training
  • Marketing tools and one-on-one support

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

About Brokers Fidelity

Brokers Fidelity is the driving force behind the Ideal Flex Series, working closely with American Home Life to create a best-in-class hospital indemnity product. When you work with us, you’re backed by real experience, responsive support, and the most competitive comp in the market.

Contact Us

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

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