Fixed Indemnity Plan Benefits at Glance
We will pay the fixed indemnity benefit dollar amount for the following covered medical and surgical services. Availability, terms, conditions, limitations and exclusions may apply. Please refer to the Benefits Summary for the dollar amount and service limits of the specific plan.
Outpatient Fixed Indemnity Benefits
- Physician Office Visit
- Diagnostic Lab
- Diagnostic X-Ray
- Ambulance Services
- Emergency Room
- Outpatient Surgery
Inpatient Fixed Indemnity Benefits
- Standard Care
- Intensive Care
- Inpatient Surgery
- Skilled Nursing
The EssentialCare Fixed Indemnity Medical plans are not Major Medical or Comprehensive Medical Insurance coverage, and are neither Minimum Essential Health Benefit Plans nor Workers’ Compensation Insurance under federal and/or state law. The benefits will not satisfy the individual mandate as defined by the Patient Protection and Affordable Care Act. Fixed Indemnity Medical plan benefits provide a predetermined and fixed dollar amount for days/months of covered medical services. Members are responsible for all amounts charged in excess of the fixed benefit amount and network discount.