Maximize Employee Protection with Fixed Indemnity Plans

Reduce Out-of-Pocket Expenses And Provide Extra Protection:

Employers are seeking cost-effective benefits without adding complexity to their teams. Our fixed indemnity plans, also known as fixed benefit plans, offer an excellent solution by providing additional coverage for each doctor's visit or hospital stay. Recognized as an Excepted Benefit under the ACA, these plans are crafted to complement Minimum Essential Coverage, offering valuable first-dollar coverage exempt from deductibles or coinsurance. Employees can significantly reduce out-of-pocket expenses, enhancing their overall healthcare experience.

Flexible and Affordable Plan Designs:

Voluntary Group Benefits USA offers flexible plan designs adaptable to nearly any budget. Starting at just $10 per week for employee-only coverage, employers can supplement major medical plans and provide specialized benefits highly valued by employees. Our affordable benefits and hassle-free administration make The American Worker an ideal partner for employers seeking a variety of fixed indemnity and specialty benefits.

Understanding Fixed Indemnity:

A fixed indemnity insurance plan is a supplemental health plan providing a fixed cash benefit for specific covered services. It is not a substitute for minimum essential health coverage under the ACA, does not qualify as such, and does not satisfy the ACA’s individual mandate penalty.

Covered Services:

Our Fixed Indemnity Plan covers a range of essential services:

• Physician’s Office Visit: A daily indemnity benefit for each day of a visit due to illness, accident, or medical emergency.

• Outpatient Diagnostic Lab Work: A fixed daily benefit for outpatient lab tests ordered or performed by a Physician.

• Outpatient Diagnostic X-Ray: A fixed daily benefit for outpatient x-rays ordered or performed by a Physician.

• Advanced Studies: A fixed daily benefit for outpatient specialized tests, including Angiograms, CT Scans, EEGs, MRIs, Myelograms, and PET Scans.

• Accidental Injury Care: Benefit paid for covered Accident or Accidental bodily Injury, covering initial charges incurred within 90 days of the covered injury.

• Emergency Room Sickness: A daily indemnity benefit for outpatient emergency room services resulting from sickness and provided on an emergency basis.

• Surgical: A daily indemnity benefit for each day of inpatient or outpatient surgery performed by a Physician.

• Anesthesia: A daily indemnity benefit for each day of inpatient or outpatient anesthesia administered by an Anesthesiologist.

• Daily Hospital Indemnity: A fixed daily benefit for each day of hospital confinement due to illness or accidental injury, including coverage for intensive care, substance abuse facility, mental illness facility, and skilled nursing facility stays.

• Hospital Admission: A fixed daily benefit for the first day of hospital confinement due to illness or accidental injury.

Count on Voluntary Group Benefits USA for comprehensive Fixed Indemnity Plans, providing employees with peace of mind and extra protection against unexpected healthcare costs.

Underwriting Requirements:

Fixed Indemnity: Eligible employees include both full-time (FT) and part-time (PT) individuals.

Voluntary Plans: A minimum of 100 eligible employees is required, with enrollment criteria set at 10 enrolled or 10%, whichever is greater.

Employer Contributory Plans: For these plans, a minimum of 10 eligible employees is required, with enrollment criteria set at 10 enrolled or 10%, whichever is greater.