Fixed indemnity insurance is an additional, or supplemental, insurance product. Members can use it 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. Whether your members or employees are struggling with a gap in insurance, lost wages, frequent out-of-network travel, or high deductibles, these can help.
At Nations Health Administrators, we provide access to affordable fixed indemnity health insurance plans. We're also an end-to-end benefits administrator. We manage the back-end insurance tasks, so you can focus on growing your business or membership organization.
Fixed indemnity health insurance products start where other plans stop. Depending on the plan your members choose, they provide fixed cash benefits for healthcare costs related to:
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. Others use them if they travel frequently to provide flexible coverage.
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.
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.
At Nations Health Administrators, we value the power of choice.
While these plans are straightforward in that they pay out cash benefits, they also give your members options.
Fixed indemnity insurance can help members who:
At Nations Health Administrators, we make it easy for you to give the power of choice to your members. Whether you run your own small business or manage a healthcare membership organization, we can help.
We're an exclusive administrator for The Health Depot Association and Affiliated Workers Association. This allows us to provide affordable group rates to your members. We offer fixed indemnity insurance plans in 28 states. A majority of them are guaranteed issue plans, with some standard issue options.
We also manage the back-office tasks for your plans so you can focus on your members. We're a comprehensive provider of benefits, administration, and management services for a number of healthcare options, including fixed indemnity insurance.
If you're interested in learning more about how we can help, contact Nations Health Administrators today at +1-888-497-7349. We're here to answer any of your questions about fixed indemnity insurance and our other healthcare options.
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. These give more value to your members, usually at no additional cost.
This is only the beginning of how we can help. We provide end-to-end benefit services to help your business or membership organization grow. When you work with Nations Health Administrators, this is what you can expect.
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 Nations Health Administrators, we simply do things the right way for our customers and your members.
From day-to-day management to billing to agency support, Nations Health Administrators is the end-to-end solution for your healthcare needs.
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