Find the right limited fixed indemnity benefit plan for you

Apply for limited fixed indemnity benefit plan with benefits as soon as the next day.

Find the right limited fixed indemnity benefit plan

HOW IT WORKS

How limited fixed indemnity benefit plans work

A Limited benefit medical policy provides fixed cash benefits to you for hospital stays and other medical costs which can be used to help pay for deductibles or other expenses not covered by your primary health coverage. It is a type of supplemental insurance and is designed to complement traditional health insurance, not replace it.

When you are admitted to a hospital or ICU for a covered sickness or injury, or need outpatient surgery, emergency room visits, or other medical services, the plan pays cash directly to you, so you can help pay off medical expenses that your regular health insurance may not cover.

Apply year round
Apply year round

There is no official open enrollment period, and you can apply anytime.

Use money however you choose
Use money however you choose

Payments made directly to you, not a hospital. Use the money however you decide.

Guaranteed Issue
Guaranteed Issue

There are no medical exams to take and no health questions to answer.

AVAILABLE BENEFITS*

Limited fixed indemnity benefit plan coverage

PAYABLE BENEFITS
  • Inpatient hospitalization
  • Inpatient and outpatient surgery
  • Outpatient laboratory procedures
  • Physician office visits
  • Preventive care such as routine physicals
LIMITATIONS OR EXCLUSIONS
  • Pre-existing conditions
  • Any non-medically necessary surgical procedures
  • Outpatient prescription medications
  • Intentional self-inflicted injuries
  • Mental and nervous disorders
*Benefits may vary and may not be available in all states.

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ACA DISCLAIMER

SHORT TERM HEALTH INSURANCE AND LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE ARE INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT (OBAMACARE). THEY DO NOT COVER PRE-EXISTING CONDITIONS AND DO NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE. LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE. IT IS NOT AVAILABLE IN SOME STATES LIKE NEW JERSEY AND YOU MAY NOT BE PERMITTED TO PURCHASE IT IN OTHER STATES WITHOUT PROOF OF MAJOR MEDICAL INSURANCE.

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