Fixed Indemnity

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 specific first dollar payments for covered healthcare 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.

About Our Plans

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:

  • Prescription Drugs*
  • Wellness Care
  • 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

Please note: This plan does not satisfy the Individual Mandate and members will be subject to the federal tax, but does allow members to receive a subsidy from the Health Insurance Exchange.

*Indemnity plans do not include prescription benefits in California.

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.