Coverage when you need it most.
Unlike traditional major medical plans where a member must first satisfy an annual deductible before he/she is eligible to receive benefit payments, our Fixed Indemnity Medical Plans allow members to receive a flat dollar amount for covered health care services, regardless of what the medical provider charges. When a sickness or injury occurs, the Fixed Indemnity Medical Plan can provide support at a time when it is needed most.
There are no pre-existing condition limitations on the Fixed Indemnity Medical Plans.
Plan designs and availability vary by state.
Most plans include, but are not limited to, coverage for:
- Wellness Care
- Prescription Drugs (Indemnity plans do not include prescription benefits in California.)
- Outpatient Fixed Indemnity Benefits
- Physician Office Visit
- Diagnostic Lab
- Diagnostic X-Ray
- Ambulance Services
- Emergency Room
- Outpatient Surgery
- Anesthesiology
- Inpatient Fixed Indemnity Benefits
- Standard Care
- Intensive Care
- Inpatient Surgery
- Anesthesiology
- Skilled Nursing
Fixed indemnity medical benefit plans are a supplement to health insurance. They are not a substitute for essential health benefits or minimum essential coverage as defined by federal health law. If you do not have other health insurance coverage, you may be subject to a tax penalty. Please consult with your tax advisor for more information.