CV Health

Clear View.Clear Coverage.

Hospital indemnity protection that pays you directly — so unexpected medical costs never become a financial crisis.

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$500+Daily hospital benefit options
24 hrsClaims processed fast
0Network restrictions
A+United National Life rating

Six Supplemental Plans.
One Clear Choice.

United National Life's suite of supplemental products helps cover what primary insurance often doesn't — giving you a financial safety net when it matters most.

01 — Hospital Indemnity
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Hospital Indemnity Insurance

Helps provide supplemental support for covered hospital-related out-of-pocket costs. Whether a planned procedure or an unexpected stay, this plan helps offset what Medicare or your health plan leaves uncovered.

✓ Hospital-focused support
02 — Guaranteed Issue
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Guaranteed Issue Hospital Indemnity

Designed to help beneficiaries who may not qualify for a typical Hospital Indemnity policy still access hospital-focused supplemental options. No medical exam required.

✓ Guaranteed issue option
03 — Home Health Care
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Home Health Care Indemnity

Helps beneficiaries explore support related to covered home recovery and care needs. Recovering at home should feel like healing — not a financial burden.

✓ Home recovery support
04 — Dental
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Dental Supplemental Coverage

A standalone dental product that helps with covered dental care needs. Routine cleanings, fillings, and more — so you can maintain your smile without financial worry.

✓ Dental care needs
05 — Cancer
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Cancer Supplemental Coverage

Helps provide added financial support if diagnosed with cancer. When a diagnosis changes everything, this plan helps provide a layer of financial stability for treatment and recovery.

✓ Cancer-related support
06 — Caregiver
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Caregiver Supplemental Coverage

Helps with costs associated with providing care during a terminal illness. Supporting a loved one is one of life's greatest acts — this ensures it doesn't come at your own financial cost.

✓ Caregiver support
Explore Our Plans

How It Works

1

Choose Your Plan

Browse our Shield Essential, Plus, or Premier plans and pick the benefit level that fits your budget.

2

Quick Application

Apply online or with an agent in minutes. No medical exam required for most plans.

3

You're Covered

Your coverage begins promptly after approval. Carry your benefit card with confidence.

4

File & Get Paid

Submit a simple claim and receive your cash benefit paid directly to you — fast.

Why Clear View Health

We believe everyone deserves coverage they can actually understand — and benefits that show up when life gets hard.

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Cash Paid to You

Benefits go directly into your pocket — not to the hospital. Use your payout however you need: medical bills, rent, childcare, or groceries.

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Any Doctor, Any Hospital

Zero network restrictions. You choose your provider. Your benefit is paid regardless of which hospital or physician you see.

Fast, Simple Claims

Our streamlined claims process means you're never waiting weeks. Submit online and get paid quickly — when you need it most.

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Guaranteed Renewable

Your coverage can't be cancelled as long as premiums are paid. Clear View Health and United National Life stand behind every policy, every year.

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Family Coverage

Protect your whole household under one plan. Spouse and dependent benefits available on all Shield Plus and Premier plans.

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Complements Any Plan

Works alongside your existing health insurance to fill the gaps. Perfect for high-deductible plans and Medicare supplement holders.

A Team That's Passionate About People

Our agents aren't just selling plans — they're building relationships, making a real difference, and growing their careers in a culture that values excellence.

Diverse professional team in office
Black female professional
Black male professional
Black professional working at laptop
Black professional woman leading meeting
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Competitive Earnings

Uncapped commissions with base pay options for top performers.

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Remote Flexibility

Work from home or field — we support remote-first careers.

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Real Growth Path

Agent → Team Lead → Manager. We promote from within.

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Training & Support

Full onboarding, licensing support, and ongoing mentorship.

Frequently Asked Questions

Informed decisions are the best decisions. Here are answers to the questions we hear most often.

No. Indemnity insurance is supplemental coverage. It does not replace Medicare, a Medicare Advantage plan, or major medical insurance. It helps cover out-of-pocket costs those plans may leave uncovered — such as deductibles, copays, or non-covered services.
Yes. Product availability, benefits, riders, limitations, exclusions, issue ages, and underwriting rules may vary by state and policy. A licensed agent will walk you through exactly what is available in your state before you enroll.
No. This website provides general information only and does not guarantee eligibility, approval, benefits, or coverage. All applications are subject to the terms and conditions of the applicable United National Life policy.
Hospital Indemnity Insurance pays a fixed cash benefit when you are hospitalized for a covered illness or injury. Benefits are paid directly to you — not to the hospital — and you can use them for any expense, including deductibles, transportation, or daily living costs while you recover.
The Guaranteed Issue option is designed for beneficiaries who may not qualify for a standard Hospital Indemnity policy due to pre-existing conditions or other health factors. Acceptance is not based on your health history — though other eligibility criteria, issue ages, and state availability apply.
In many cases, yes. Supplemental indemnity products work alongside existing coverage — including Medicare, Medicare Advantage, or employer plans — by helping cover expenses those plans may not fully pay. Always confirm with your licensed agent and review the specific policy details for your state.
If you are diagnosed with a covered cancer, the plan provides a lump-sum or scheduled benefit payment. This cash benefit can be used for any purpose — treatment co-pays, travel to specialty care, lost income, or household bills. Benefits and covered cancer types vary by policy and state.
Waiting periods vary by product, benefit type, and state. Some benefits may be available immediately, while others — particularly for pre-existing conditions — may have an initial waiting period. Your agent will clearly explain any waiting periods before enrollment.
Claims are filed directly with United National Life. Your policy documents will include contact information and instructions. Your licensed agent can also guide you through the process. Generally, you'll need documentation of the covered event — such as hospital admission records or a diagnosis.

Coverage That Lets You
Enjoy What Matters Most

Supplemental insurance isn't just about bills — it's about the freedom to live fully, knowing you're protected. For the moments that matter most.

Senior couple embracing while looking out at mountain landscape
Protected. Peaceful. Present.
Happy Black senior couple laughing together at sunset
Every moment, fully covered.
Active senior couple hiking together in the mountains
Still adventuring. Still covered.
Senior couple sitting together on dock overlooking mountain lake
Retirement, redefined.
Get in Touch

Contact Us

Have a question about our plans, need help enrolling, or want to speak with a licensed agent? We're here for you.

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Email Us
info@cvhealthins.com