Hospital & Doctor Benefits

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Hospital & Doctor Benefits 2019-04-29T15:20:47+00:00

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Hospital and Doctor Fixed Indemnity Insurance

Help for Many Out-of-Pocket Medical Expenses

Indemnity Insurance, also known as Hospital and Doctor Insurance, OR fixed benefit plans. These plans pay a set amount of money when you receive specific covered medical services.

The concept behind purchasing a hospital and Doctor indemnity plan would be to protect yourself financially should you ever have to use your primary major medical health insurance by paying set benefit amount towards benefits to help offset those up-front medical costs you’re facing. Benefits can be directly paid to you to help pay for bills or pay down your primary major medical deductible.

Also, should you ever not have access to primary major medical coverage, you can always use this as insurance, by using it’s network and assigning benefits to payout directly to a doctor or facility to pay for specific covered medical services.

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Plan design and availability vary by state. Find out which ones are available where you live.

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3 Tier Healthcare Coverage

  • No referrals to see a specialist.
  • First Dollar Coverage
  • Choice of hospital and surgeon
  • Access to the largest network of doctors
  • Enhanced benefits with low dedutibles
  • Customizable coverage
  • Affordable Monthly Premiums
  • Critical Illness Coverage
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Our agents specialize in customizing coverage to fit your individual needs, budget and lifestyle. Knowing your options and understanding them is key to choosing the right plan.  Family Icon

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Hospital and Doctor Fixed Indemnity Benefits


Set benefit paid for covered services

Amount paid per service the same regardless of provider

No out-of-pocket deductible to pay before receiving benefits

Insurance that’s available year round

Coverage possible for the entire family and renewable

UnitedHealthcare Health ProtectorGuard

Underwritten by Golden Rule Insurance Company

UnitedHealthcare Health ProtectorGuard is a flexible fixed indemnity insurance product with…

  • Coverage possible for the entire family and renewable through age 65
  • First dollar coverage, meaning you are paid the fixed benefit amount for covered expenses once the expense is submitted
  • No network restrictions for providers or hospitals, with service rate discounts available at many locations on some plans
  • Benefits paid for specified services regardless of other insurance coverage
Learn more about Health ProtectorGuard

NEW! More Health ProtectorGuard plans with new features now available in select states. See what options are available in your state today!

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What Fixed Indemnity Insurance Is

A major medical insurance plan will pay for all or a percentage of covered expenses after you meet certain deductibles, copays or out-of-pocket costs. However, a fixed indemnity plan pays you a certain predetermined amount for specified health care services.

  • You don’t have to pay copays or out-of-pocket deductibles before you get benefits.
  • You don’t have to worry about conflicts with other insurance coverage.
  • You don’t have to stay in-network if you don’t want to.

If you have a qualified expense under your Hospital and Doctor fixed indemnity plan, you or the provider you designate get paid the amount specified in your plan for that service.1

What Fixed Indemnity Insurance Isn’t

Don’t be confused. This type of plan provides limited benefits. It pays a certain amount per covered medical service, often up to a certain calendar-year maximum.

It is not major medical insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act (ACA), often called Obamacare. It does not provide coverage for all the essential health benefits outlined in the ACA.

And unlike an ACA plan, it will most likely not provide coverage for expenses resulting from any preexisting medical conditions. Read your plan carefully to see what is and what isn’t covered. Simply put, a fixed indemnity plan isn’t meant to be your main health insurance.

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Plan design and availability vary by state. Find out which ones are available where you live.

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A Helping Hand When You Need It

You are more likely to become ill, than to pass away suddenly. Contracting a serious illness or disease can be devastating, both to you and your finances. It can dry-out an individual’s finances in an unprecedented way.

Still, though it may not be designed to be primary health insurance, fixed indemnity insurance is designed to help you when you face health expenses. It can assist you with your medical costs and supplement your comprehensive health coverage. It can help:

  • Pay another health plan’s high deductible
  • Offset some prescription drug costs, if the plan you choose includes that coverage
  • Pay for lab or diagnostic services, like blood tests, X-rays or ultrasounds
  • Cover the expenses associated with surgery or an in-office procedure performed by your doctor
Important:

While a Hospital and Doctor fixed indemnity plan has no network limitations, if you have a major medical plan, you may need to stay with certain networks and providers to get the most coverage out of that plan. Be sure to take that into consideration.