Fixed Indemnity Health Insurance Plans
Fixed indemnity health insurance pays you a predetermined cash benefit for covered medical services — regardless of the actual cost. These plans offer predictable costs, no network restrictions, and can be used alongside other coverage to reduce out-of-pocket expenses.
Who Is This For?
- Individuals looking for affordable coverage with predictable costs
- People who want the freedom to see any doctor without network restrictions
- Those who want to supplement their existing high-deductible health plan
- Self-employed individuals seeking basic medical coverage
- Families looking for additional financial protection against medical expenses
Key Benefits
Predictable Cash Benefits
Know exactly what you'll receive for each covered service — no surprise bills.
No Network Restrictions
See any doctor or specialist you choose. No referrals needed.
Fast Benefit Payments
Benefits are paid directly to you, often within days of filing a claim.
Year-Round Enrollment
No open enrollment period required. Apply and get covered any time.
How It Works
- 1
Share Your Needs
Tell us about your healthcare usage and what matters most to you.
- 2
Compare Indemnity Options
Your agent presents plans with clear benefit schedules so you know exactly what's covered.
- 3
Enroll and Start Using Benefits
Start your coverage and receive cash benefits for covered medical services.
Coverage Details
| Feature | Details |
|---|---|
| Doctor Visits | Fixed cash benefit per visit (e.g., $75–$150 per office visit). |
| Hospital Stays | Daily cash benefit for each day of hospitalization (e.g., $500–$1,500/day). |
| Emergency Room | Fixed benefit per ER visit (e.g., $250–$500). |
| Surgery | Cash benefit based on procedure type. |
| Prescriptions | Some plans include prescription drug benefits. |
| Network | No network restrictions — see any licensed provider. |