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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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Regence CYA Critical Illness and Emergency Treatment Plan
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CYA – Cover Your Assets Now Plan
You have the opportunity to choose from two plan options offering
different levels of benefits; you select the amount of coverage that
fits your family’s needs.
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Benefit Payment
Accidental Death Benefit
Accidental Death of the Primary Insured or Spouse
Accidental Death of a Dependent Child
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Plan Option 1
$25,000
$5,000
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Plan Option 2
$25,000
$5,000
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Critical Illness Benefit
- Payable once per Member per Lifetime, whether or not more than one
critical illness is diagnosed.
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Diagnosis of a Critical Illness
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$5,000
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$10,000
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The Critical Illness Benefit Amount reduces by 50% on the first premium due date after age 75.
Emergency Treatment Benefits -
Payable once per Member per Covered Accident or Covered Illness, and
twice per Member per Benefit Year.
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Emergency Medical Treatment
Due to a Covered Accidental Injury
Due to a Covered Illness
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$250
$125
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$250
$500
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Hospital Admission
Due to a Covered Accidental Injury
Due to a Covered Illness
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$500
$250
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$1000
$500
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Emergency Dental Treatment due to a Covered Accidental Injury
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Broken tooth repaired with a crown, denture or implant
Broken tooth resulting in extraction
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$200
$50
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$400
$100
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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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