Fixed indemnity health insurance

 When you have a Health ProtectorGuard plan, these are the steps you'll need to take to use your benefits:   

• You or your provider submit a covered expense. The fixed benefit for that covered service is then paid, no matter what other insurance coverage you may have.
• You don't have to meet a deductible before you receive benefits.
• You choose the doctor or health facility you need. 
• You can go to any doctor or health care facility you want. However, you may save money with discounted rates for services if you use providers in your plan's network (varies by state). 
• You can apply year-round, not just during an enrollment period or because of special circumstances.

 Indemnity insurance is also known as fixed benefit insurance or fee for service insurance. An indemnity plan offers limited benefits. The plan pays you a preset — “fixed” — payment when you receive any of the qualified medical services specified in the plan. The benefit paid out stays the same no matter what the total bill for the qualified service was. That’s why fixed indemnity insurance can also be called fixed benefit insurance or fee for service insurance. It’s meant to supplement a more traditional health insurance plan. 

 Health ProtectorGuard fixed indemnity plans help cover some of the most common medical costs you and your loved ones might face. These plans offer a preset benefit amount. Some benefits increase the longer you have a plan.