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Fixed Indemnity plans pay a fixed amount per condition directly to you and are not intended to provide complete coverage:
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When you want some protection but simply can’t afford the ever rising cost
of health insurance premiums, we offer some limited benefit options.
These low cost options include a Critical Illness and Emergency
Treatment plan and both individual and small business Fixed
Indemnity Health Insurance plans.
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Direct Online Quotes and Applications
When you apply online with us, you gain a partner ready to answer your questions and
make sure your application is processed properly.
One of our
Agents will be assigned to you and will contact you to introduce themselves.
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Value
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Fundamentals
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Enhanced
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- Access to network and prescription discounts
- Basic benefits for preventive care and unexpected illness and injuries
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Value plus
- Cash benefits for prescriptions
- Increased benefits for unexpected illnesses and injuries
- Two extra office visits
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Fundamentals plus
- Higher cash benefits for brand name prescriptions
- Higher level benefits for unexpected illnesses and injuries
- Higher cash benefits for each office visit
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Plan Pays:
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Plan Pays:
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Plan Pays:
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Office Visits
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$50 per visit
2 visit maximum per year
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$50 per visit
4 visit maximum per year
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$75 per visit
4 visit maximum per year
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Prescription Drugs
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Discount Only
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Generic $10
Brand Name $25
Maximum $750 per year
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Generic $10
Brand Name $35
Maximum $750 per year
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Inpatient and Outpatient Surgery
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100% of 2010 Medicare physician surgical schedule
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100% of 2010 Medicare physician surgical schedule
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150% of 2010 Medicare physician surgical schedule
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Outpatient Maximum
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Maximum $1,000 per year
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Maximum $1,000 per year
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Maximum $3,000 per year
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Emergency Room and Urgent Care Facility Visit
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$150 per visit
1 visit maximum per year
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$250 per visit
1 visit maximum per year
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ER: 1 visit at $400
Urgent Care: 1 visit at $100
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Inpatient Hospital Confinement
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Sickness $1,000 per day
Injury $2,000 per day
Maximum $200,000 per year
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Sickness $2,000 per day
Injury $4,000 per day
Maximum $500,000 per year
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Sickness $3,000 per day
Injury $6,000 per day
Maximum $1,000,000 per year
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Lifetime Maximum
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$1 million
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$2 million
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$3 million
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All plans also include:
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Anesthesia
Outpatient Medical Event
Immunization and Allergy Shots
Ground or Air Ambulance
Discount Card
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Defined Solutions
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Limited Medical Benefits
Affordable limited benefit medical guaranteed issue
Insurance for individuals and families. A limited benefit plan can
help defray health care cost. Almost 15 percent of Americans
between the ages of 18 and 64 have been declined for individual
major medical coverage due to illness or injury. Defined Solutions
plan is guaranteed issue plan , meaning that you cannot be turned
down for coverage due to a pre-existing condition.
Apply Online
Brochure (PDF) |
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Fully Insured Limited Benefit Health Insurance Plans For Employers with Three or More Employees
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√ You control the cost... Choose only the benefits you need
√ No medical questions or physical examinations
√ Guaranteed issue for all eligible employees
√ Per-existing conditions are covered immediately for groups enrolling 5 or more,
for groups 3-4 pre-existing conditions are covered after 6 months
√ Available to full-time, part-time, seasonal and temporary employees
√ No employer contribution requirements
√ Freedom to use any licensed doctor or hospital, or use the PPO network (see page 4)
√ No claim forms needed when the netword is used (see page 4)
√ Pays in addition to other private insurance
√First dollar coverage no deductibles, no coinsurance, no copays for FlexMED's fixed indemnity medical benefits
(Rx Cadr has copays)
√ Benefits may be assigned or paid directly to the employee
√ 12-month rate guarantee for medical benefits
(Rx Card is different)
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