Fixed Indemnity Medical

Coverage when you need it most.

Unlike traditional major medical plans where a member must first satisfy an annual deductible before he/she is eligible to receive benefit payments, our Fixed Indemnity Medical Plans allow members to receive a flat dollar amount for covered health care services, regardless of what the medical provider charges. When a sickness or injury occurs, the Fixed Indemnity Medical Plan can provide support at a time when it is needed most.

There are no pre-existing condition limitations on the Fixed Indemnity Medical Plans.

Plan designs and availability vary by state.

Most plans include, but are not limited to, coverage for:

  • Wellness Care
  • Prescription Drugs (Indemnity plans do not include prescription benefits in California.)
  • Outpatient Fixed Indemnity Benefits
    • Physician Office Visit
    • Diagnostic Lab
    • Diagnostic X-Ray
    • Ambulance Services
    • Emergency Room
    • Outpatient Surgery
    • Anesthesiology
  • Inpatient Fixed Indemnity Benefits
    • Standard Care
    • Intensive Care
    • Inpatient Surgery
    • Anesthesiology
    • Skilled Nursing

 

 

Fixed indemnity medical benefit plans are a supplement to health insurance. They are not a substitute for essential health benefits or minimum essential coverage as defined by federal health law. If you do not have other health insurance coverage, you may be subject to a tax penalty. Please consult with your tax advisor for more information.

Contact us for more information

Use the form below to contact PAI for more information.

If you are a member and have a question on your health plan or Member Portal, please contact Customer Service at the phone number on your ID card or sign in to your MyPAI Member Portal to use the secure online messaging feature.

CAPTCHA
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.