Fixed Indemnity Health Insurance

  • Preexisting Conditions Covered
  • Stable Rates
  • Low Premiums
  • No Deductibles, No Co-Insurance, and No Co-Pays
  • Pays the full amount based on medical events instead of paying a percentage of the billed amount.
  • Covers a broad range of health benefits, including primary and specialty care, hospital care and prescription drugs.
  • Doesn't charge you a higher premium just because of your pre-existing conditions.
  • Doesn't base eligibility or premiums on your income.

In March of 2010, the President signed the Patient Protection and Affordable Care Act (PPACA) - the new health insurance law.

Health insurance for families and small businesses has actually become more expensive with this new law, because it mandates higher loss ratios for the insurance companies.

Not only premiums have risen but High Deductible, High Co-Insurance and High Co-pay amounts have made the cost of health insurance rise higher than inflation.  The only way to afford most plans today is to buy a high deductible and high out of pocket co-insurance plan.  Though most Americans feel that if they must pay more than the first $5000 in out of pocket expenses, "Why have insurance at all?"

These new fixed indemnity plans offer an exciting alternative solution.

Saving Money for Families and Small Businesses

  • Health plans as low as $89 per month
  • Traditional Major Medical or New Fixed Indemnity Health Plans.
  • Life Insurance, Cancer, Critical Illness, Medicare, Long Term Care and other Supplemental Coverage.
  • Flexibility.  Freedom to choose from a wide array of policies and benefit options.
  • Preexisting Conditions Health Insurance
  •  Freedom to choose your providers without a referral.
  • Health Plans with No Deductibles, No Co-Insurance and No Co-Pays.
  • Dental Insurance as low as $15.50.