Fixed Indemnity Plans Whitepaper

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The part-time and hourly workforce has seen a dramatic shift in recent years

Voluntary part-time workers by age and gender

A competitive labor market and evolving workplace expectations have caused employers to rethink their benefit strategies, but administrative challenges and budget constraints have limited options available for many. In this whitepaper, we’ll explore the changing labor market, and ways companies have tailored their benefits to attract and retain part-time and hourly talent.

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Fixed Indemnity Medical Plan

The Fixed Indemnity Medical Plan helps employers stand out in a crowd by providing employees an annual benefit for medical services such as office visits prescription drugs, labs and inpatient hospital stays.

Simple for employees to understand and use

Annual limits on benefits

Full suite of ancillary products available. Dental, Vision, Life, Accident & Disability

No deductible, coinsurance, or copays
No pre-existing conditions and no medical underwriting
No catastophic coverage

Designed to cover low-dollar, high-frequency claims, such as doctor’s office visits, prescription drugs, labs and X-rays, and inpatient hospital benefits (up to a benefit cap)

Event-driven. Example:
Physician Office Visit – $75/visit
Outpatient Surgery – $500/day

All backed by a company with 70 years of experience and rated A (Excellent) by A.M. Best.