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Fixed Indemnity is a supplemental healthcare plan, not a major medical plan, designed to provide a fixed dollar amount used to cover basic healthcare needs.

Covers the most common medical expenses at an easy-to-afford price.

Our Fixed Indemnity Medical Plan pays a flat amount for each covered claim such as doctor’s office visits, x-rays, lab work, prescription drugs, in and out-patient benefits, emergency room visits, urgent care, and other day-to-day claims. It helps cover out-of-pocket costs with no deductibles and no co-pays, and is our most popular plan option because of its highly usable benefits.

Our Dental Insurance Plan includes coverage for regular exams, X-rays, fillings, oral surgery, crowns, and even dentures. Associates have the option to see any dentist they wish, but will pay less if the dentist is in-network.

Offsets cost of eye exams, lenses, frames, and contacts.

Our Vision Insurance Plan covers:

Eye examinations with a copay, allowance for frames, plastic lenses with a copay, and an allowance for disposable contacts.

Our term life insurance pays beneficiary for employee coverage, and offers coverage for spouse and child dependents as well in lower increment amounts. 

Our Short-Term Disability Insurance Plan begins after 7 days of disability, pays up to 26 weeks (not available to employees who work in CA, HI, NJ, NY, or RI as these states have their own designated disability programs).

Preventive and Wellness Benefits

The Minimum Essential Coverage Plan meets the Affordable Care Act’s definition of minimum coverage, providing benefits for testing, screening and wellness. Associates are able to select a different coverage level than the selected Fixed Indemnity and ancillary coverage level. This plan does not provide any coverage for sickness or accidents. 

Please note, this plan DOES NOT cover medical services. This plan provides coverage for preventive services such as immunization and routine health screening. It does not cover conditions caused by accident or illness.