Fixed Indemnity Health Insurance
Fixed indemnity health insurance plans are an additional, or supplemental, insurance product. Members can use them to pay for out-of-pocket expenses their regular insurance doesn't cover. These plans pay out pre-negotiated cash benefits for certain services directly to members.
Fixed daily or per-visit payouts, regardless of other coverage
Fixed indemnity health insurance products start where other plans stop. Whether your members or employees are struggling with a gap in insurance, lost wages, or high deductibles, these can help.
If your members visit the doctor, for example, their plan will pay out a fixed cash benefit to help them cover costs. Many people use them to offset high deductibles or to supplement existing coverage with direct cash payouts.
Benefits paid directly to your members
These plans pay the benefits out to the members directly — not the healthcare provider. Members typically won't have to meet a deductible before receiving benefits. Also, many plans can start immediately. Members who need coverage can get next-day care.
High Deductible Relief
Members who don't have enough in savings to cover the costs of high deductibles from other plans benefit from the fixed cash payouts.
Next-Day Coverage
Members who need coverage can get next-day care. Many plans can start immediately with no waiting periods.
Freedom of Choice
Members have the freedom to visit any doctor or hospital, without having to choose one primary care doctor.
Customizable Plans
Members can pick and choose their benefits to make a plan that matches their budget and specific healthcare needs.
Protection When Priced Out
For those priced completely out of traditional insurance, these plans offer protection in case an accident or illness happens.
Fixed indemnity health insurance plans available
At Premier Health Solutions, we value the power of choice. We administer fixed indemnity programs through multiple association and carrier partnerships, allowing us to provide affordable group rates to your members.
States Available
We offer fixed indemnity insurance plans in 36 states. A majority are guaranteed issue plans, with some standard issue options.
Flexible Premiums
How much members pay depends on the level of coverage they choose, maximum benefit amounts, their deductibles, and their location.
End-to-End Administration
We manage the back-office tasks for your programs so you can focus on your members. We're a comprehensive provider of benefits, administration, and management services.
Group Rates
Through our association and carrier partnerships, we provide affordable group rates to your members across multiple fixed indemnity programs.
Things to keep in mind
These plans are often called supplemental health insurance or "fee for service" plans. They help fill the monetary gaps from other plans, but typically aren't the only insurance coverage a person has.
Do note that these plans may not cover pre-existing conditions. They may also not cover costs related to certain services, like mental health care or pregnancy. It's best to think of fixed indemnity insurance as a supplement to a major medical insurance plan. It fills the gaps in your members' current coverage. Because of this, they're not an ACA-compliant health plan.
What you can expect from Premier Health Solutions
We've partnered with industry-leading carriers across the U.S. to create affordable insurance packages. From fixed indemnity insurance to short term health insurance, we provide flexible options for today's families. We also offer some of the best non-insurance healthcare products, like telemedicine services or prescription discount programs.
Premium rates that match their budget
Affordable plans designed for today's families with flexible pricing options.
Always-on member services
Reliable customer support services for your members when they need help.
Valuable member-driven benefits
Benefits that give more value to your members, usually at no additional cost.
Support for your growing organization
Long-standing relationships with agencies and agents to help you grow.
About Fixed Indemnity Insurance
Fixed indemnity insurance is a supplemental health insurance product that pays a fixed dollar amount directly to you for certain covered medical services, regardless of the actual cost of care or any other insurance you may have.
No. Fixed indemnity insurance is a supplemental product and is not minimum essential coverage under the Affordable Care Act. It is designed to help offset out-of-pocket costs like deductibles, copays, and coinsurance — not to replace comprehensive health insurance.
Fixed indemnity plans typically pay benefits for hospital stays, doctor and specialist visits, ambulance services, surgery, preventative care, and prescriptions. Benefit amounts are pre-set and paid per event or per day, depending on the plan.
Many fixed indemnity plans offer next-day coverage, making it one of the fastest options for members who need immediate supplemental protection.
Yes. Fixed indemnity plans give members the freedom to visit any doctor or hospital without needing to choose a primary care physician or stay within a network. Benefits are paid based on the service, not the provider.
Coverage for pre-existing conditions varies by plan. Some fixed indemnity plans may exclude or limit benefits for conditions that existed before the coverage effective date. Review your specific plan documents or contact us for details.
Fixed indemnity insurance administered by Premier Health Solutions is currently available in 36 states with next-day coverage options. Contact us for the most current list of available states.
Benefits are paid as direct cash to the member at a fixed, pre-determined amount per covered service. For example, a plan might pay a set amount per doctor visit or per day of hospitalization, regardless of the actual charges.
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For families with high deductibles or individuals who are priced out of traditional insurance, fixed indemnity insurance is a much-needed protection. We know you're committed to helping your members find insurance that works for them. And, we're here to help you every step of the way. At Premier Health Solutions, we simply do things the right way — for our customers and your members.