Between jobs? Building a startup? Going freelance? Get catastrophic protection from $49/mo or full coverage with telehealth from $99/mo. Cancel anytime.
You got a severance package — great. But here's what they didn't tell you:
LayoffShield: $49/month for catastrophic protection. Keep your severance for rent, not hospital bills.
No lengthy applications. No waiting periods for most benefits. Get protected today.
Enter your basic info. No medical exams or lengthy health questionnaires.
Pay $75/month. Cancel anytime. No hidden fees or long-term contracts.
Get your member ID immediately. Access telehealth 24/7 starting today.
All plans include fixed cash benefits. Plus & Premium add unlimited telehealth.
Cash benefit paid directly to you for each day of hospital admission. Use it however you need.
Fixed cash benefit when you need emergency care. No deductible, no waiting.
Get cash back for urgent care and in-person doctor appointments.
Video visits with board-certified doctors 24/7. Includes mental health support for anxiety, stress, and sleep.
Plus and Premium plans include mental health support. Can't sleep? Anxious about interviews? Talk to a licensed doctor 24/7 who can help.
Talk through what you're feeling. Get coping strategies and medication if appropriate.
Racing thoughts at 3am? Get help with insomnia and sleep disorders.
Feeling low? Get screened, diagnosed, and treated — or referred to specialists.
SSRIs, sleep aids, anti-anxiety meds — prescribed if medically appropriate.
Available now
I got laid off last week and I can't stop worrying. I'm barely sleeping.
I'm sorry you're going through this. Job loss is incredibly stressful. Let's talk about what you're experiencing and find ways to help you cope and sleep better.
For ongoing mental health care, add licensed therapist sessions. Included with Premium, or add to Plus for $49/mo.
You're building a company, not shopping for health insurance. Get catastrophic protection for you and your team — starting at $49/person.
Catastrophic protection while you build. No telehealth, no frills — just financial protection if something goes wrong.
Full coverage with telehealth and mental health support. Peace of mind for you and your family.
Cover your early team without breaking the bank. No minimums, no HR required, no enrollment periods.
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COBRA for a family costs ~$2,200/month. LayoffShield Family Plus is just $249/month — that's 89% savings.
"Got laid off in October with a wife and two kids. COBRA wanted $2,100/month — that's more than our mortgage! LayoffShield covers all four of us for $175. Absolute lifesaver."
"The mental health support saved me. I was barely sleeping after my layoff, anxiety through the roof. Talked to a doctor at 11pm, got a prescription, and finally started feeling human again."
"My daughter got an ear infection at 10pm on a Saturday. 15 minutes later we had a diagnosis and prescription sent to the pharmacy. No ER visit, no $500 bill. Just $0."
"My unemployment claim took 6 weeks to process and NC only pays $350/week. Got LayoffShield same-day for $49. When I twisted my ankle and needed urgent care, they sent me a $200 check. UI would've given me nothing."
LayoffShield is fixed indemnity insurance — it pays you cash when medical events happen (hospital stays, ER visits, urgent care, doctor visits). This money goes directly to you, not to the hospital.
It's not comprehensive major medical insurance (like ACA plans or employer coverage). It won't pay your hospital bill directly — but it will give you cash to help cover it.
Plus and Premium plans also include unlimited telehealth, so you can see a doctor anytime for $0. Basic is protection-only.
LayoffShield is designed for founders, freelancers, and people between jobs who need affordable protection without the $500+/month price tag of traditional insurance.
Basic ($49/mo) is catastrophic protection only — hospital cash, ER benefits, urgent care. No telehealth. Best for founders and healthy people who just want financial protection.
Plus ($99/mo) adds unlimited telehealth with $0 copay and mental health support. Best for people in transition who want both access to care and financial protection.
Mental health telehealth is included in Plus and Premium plans — talk to a doctor about anxiety, stress, depression, or sleep issues 24/7. They can prescribe medication if appropriate. For ongoing therapy with a licensed counselor, choose Premium or add Therapy+ for $49/month.
Basic plan members can add telehealth (including mental health) for +$29/month.
Yes! LayoffShield doesn't affect your unemployment benefits. UI covers your income (partially). We cover your health emergencies. They work together.
Many people use LayoffShield while waiting for UI to start — it can take 2-8 weeks for your first payment. Others use us because UI doesn't cover medical expenses at all.
Even if you got severance and can't collect UI, you can still get LayoffShield.
Yes! Team plans start at $49/person/month (Basic) or $89/person/month (Plus). No minimums, no enrollment periods — add or remove team members anytime. You get a simple admin dashboard to manage your team. Much cheaper than traditional group health plans.
Plus and Premium plans: Log into your member portal and connect with a board-certified doctor via video or phone 24/7. Average wait time is under 10 minutes. Doctors can diagnose, prescribe medications, and provide treatment plans. $0 copay, unlimited visits.
Basic plan: Telehealth is available for $15/visit, or add unlimited telehealth for +$29/month.
You'll receive $1,500-$2,000 per day in cash for hospital stays (depending on your plan). This money is paid directly to you — use it for medical bills, rent, groceries, or whatever you need.
Example: 3-day hospital stay = $4,500-$6,000 cash in your pocket.
File a claim through your member portal with your hospital documentation. Most claims are processed within 5-7 business days.
Yes! Cancel anytime from your member portal. No cancellation fees, no questions asked. Your coverage ends at the end of your paid period.
Yes! LayoffShield is available to anyone legally present in the US, including H-1B visa holders. It's a great option for your 60-day grace period — instant coverage, month-to-month, cancel when you start your new role.
Join thousands of freelancers, founders, and job seekers who chose peace of mind.
Your coverage is active. Here's your plan summary.
Primary • You
Spouse
Child • Age 8
Child • Age 5
Any family member can connect with a physician 24/7.
Submit documentation for your medical expenses to receive your benefit.
Dec 15, 2025 • Emma Smith • CityMed Urgent Care
Dec 10, 2025 • John Smith • Primary Care Associates
Dec 5, 2025 • Liam Smith • Children's Hospital