Getting Started
Coverage that fits your family — not the other way around.
Coverage
Not everyone receives health benefits through an employer, and not everyone’s healthcare needs are the same. Individual and family health insurance options can provide additional financial protection and help you prepare for unexpected healthcare expenses.
We offer fixed indemnity health insurance options from carriers including ManhattanLife Insurance Company and Philadelphia American Life Insurance Company, as well as access to Affordable Care Act (ACA) health insurance options for individuals and families looking for comprehensive major medical coverage.
Indemnity
Fixed indemnity insurance is designed to provide a predetermined cash benefit for covered medical services or events, according to the terms of the policy.
Instead of paying a percentage of your medical bill like traditional major medical insurance, a fixed indemnity plan pays a specified benefit amount for covered services. Depending on the plan, benefits may be available for services such as doctor visits, hospital stays, diagnostic testing, surgeries, and other covered healthcare expenses.
The benefit amounts, covered services, limitations, and exclusions vary by policy.
How
For example, if your policy provides a specified benefit for a covered hospital stay, the plan pays the amount outlined in your policy regardless of the total amount of the hospital bill, subject to the policy’s terms and limitations.
This gives you a predictable benefit structure and can provide additional financial support when covered medical expenses arise.
Fixed indemnity insurance is a limited-benefit policy. It is not comprehensive major medical insurance and is not a substitute for ACA-compliant health insurance coverage.
Options
We work with established insurance carriers to help individuals and families explore fixed indemnity coverage options.
ManhattanLife Insurance Company
ManhattanLife offers health insurance solutions designed to provide additional financial protection for eligible healthcare expenses.
Depending on the specific product selected, fixed indemnity benefits may be available for covered services such as:
Benefits, availability, eligibility, exclusions, and limitations vary by policy and state.
Philadelphia American Life Insurance Company
Philadelphia American Life Insurance Company also offers limited-benefit health insurance solutions designed to help individuals and families manage certain healthcare expenses.
Available plans may provide predetermined benefits for qualifying medical services and events according to the policy’s schedule of benefits.
Coverage, benefits, eligibility, exclusions, limitations, and availability vary by policy and location.
Considerations
Fixed indemnity insurance may be worth exploring for individuals and families looking for an additional layer of financial protection.
This can include:
Because these plans provide limited benefits rather than comprehensive major medical coverage, it’s important to understand exactly what a policy does and does not cover before enrolling.
Indemnity
For individuals and families who need comprehensive major medical insurance, an Affordable Care Act (ACA) Marketplace plan may be another option.
ACA-compliant health plans provide coverage for essential health benefits and include important consumer protections. Coverage generally includes services such as:
ACA-compliant plans also cannot deny coverage or charge a higher premium based on a pre-existing health condition.
Assistance
Depending on your household income, family size, and other eligibility requirements, you may qualify for financial assistance when purchasing coverage through the Health Insurance Marketplace.
Premium tax credits can reduce the monthly premium for eligible individuals and families. Some people may also qualify for cost-sharing reductions, which can lower certain out-of-pocket expenses when enrolled in an eligible Silver plan.
Eligibility and financial assistance can change based on your circumstances and applicable federal requirements.
Enroll
ACA health insurance generally has specific enrollment periods.
You can typically enroll during the annual Open Enrollment Period or during a Special Enrollment Period if you experience an eligible qualifying life event.
Qualifying events may include:
Special Enrollment Period eligibility and enrollment deadlines depend on your particular circumstances.
Coverage
Choosing health coverage isn’t just about finding the lowest monthly premium. It’s about understanding what you’re buying and how the plan will respond when you need healthcare.
We can help you compare fixed indemnity insurance and ACA-compliant health insurance options, understand the benefits and limitations of available plans, and determine which type of coverage may better align with your healthcare needs and budget.
Options
Whether you’re interested in the flexibility of a fixed indemnity plan or need comprehensive ACA health insurance, we’re here to help you understand your choices.
Contact us today to review available Individual & Family Health Insurance options.
Fixed indemnity insurance is a limited-benefit policy and is not comprehensive major medical insurance. Benefits are paid according to the terms of the policy and are subject to applicable exclusions and limitations. Product availability and benefits may vary by state.