Association Group Fixed Indemnity

Our Fixed Indemnity provides non-ACA health insurance, designed to fill coverage gaps and protect against Accident and Sickness or Accident Only, with customized coverage to fit within your member’s budget.

Starting with the core Hospital Indemnity benefit, Association or Affinity Groups can package 30+ benefit options, covering the following benefit categories: hospital confinement, surgery, additional care, medical professional care, medical care facility confinement, and newborn indemnity. In addition, there are up to 9 optional benefit riders, including: AD&D, AME; cancer, CI, and more.

• Our offering

  • Product features designed to provide solutions for a diverse range of association groups
    • Coverage can be issued on a simplified issue or guaranteed issue basis
    • Age banded rates (composite rates may be available for takeovers or specialty markets
    • Full range of benefits available to under 65 members, limited benefit options available to 65+ members
  • Bridging the healthcare coverage gap for:
  • Non-coordinated deductible relief for individuals with high deductible medical plans
    • Provides gap coverage by combining a range of specialty benefits available: initial treatment only, surgery coverage (in and out-patient), supplemental care, newborn or child related benefits (wellness, preventative, vaccinations, etc.)
  • Consider as embedded Association or Affinity Group benefit
  • Our 65+ product benefit schedule is designed to complement Medicare Advantage coverage
  • Stand-alone* benefit options available (*Looks like a stand-alone product but includes a base Daily Hospital Confinement Benefit).
    • Hospital indemnity, cancer, critical illness, accident medical expense (% of reimbursement), accidental death and dismemberment]

• Capacity

  • We offer flexibility in identifying and determining benefit levels for desired benefits; we recognize our customers are not all identical

Key contact

Wayne Martinez
Business Development Manager

• (617) 816-9236
• wayne.martinez@everestglobal.com