Key Features of Fixed Indemnity Programs
This is not a replacement for health insurance, but a supplement to help pay for the co-pays and deductibles.
Freedom to Choose
Direct Reimbursement
Nationwide Coverage
What is a Fixed Indemnity Program?
A fixed indemnity program allows policyholders to visit any doctor, hospital, or specialist they prefer without needing referrals or staying within a restricted network. The amount the plan will pay varies by service but is defined by the plan and pre-determined (typically a certain amount for that procedure), regardless of how much the medical provider bills for the service.
People can purchase fixed indemnity plans and use them to supplement a major medical plan obtained from an employer or in the individual market. Fixed indemnity plans are not regulated by the ACA or Medicare, so they don't have to cover the essential health benefits or pre-existing conditions. They are not suitable to serve as a person's only coverage and are instead a supplement to major medical coverage.
Supplemental Benefit Plans
In addition to your health insurance, you can purchase supplemental benefits for yourself, your spouse, and your children. These plans include:
The best place to start is how much you want to pay out-of-pocket and the coverage you need. We can help you navigate the various programs and assemble a package for your unique needs.
Who Should Consider an Indemnity Program?
Fixed Indemnity Supplement insurance isn’t for everyone, but it can be the perfect fit for individuals and families who value freedom, flexibility, and help with their healthcare costs.
Get a Quote
Start your journey to affordable protection with a quick, personalized quote.