Employer 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 budget.

Starting with the core Hospital Indemnity benefit, employers can package up to 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.

Everest recognizes it isn’t just our broker partners we’re serving, it’s also your clients and their employees. As we build and innovate upon our products, services, and resources, we keep a sharp focus on each customer group. Whether you’re an employer in search of ways to enhance your current benefits offerings, or an advisor interested in selling innovative and high-quality workplace benefits solutions, we want to hear from you.

• Our offering

  • Product features designed to provide solutions for a diverse range of employer groups
    • Coverage is issued on a guaranteed issue (or conditional issue) basis
    • Composite rates
    • Dependent only coverage is available if: employee only coverage is offered, or dependents secured subsidized ACA coverage and need supplemental 1^st dollar coverage due to high deductibles
    • Coverage for a diverse range of employer groups and life segments
  • Bridging the healthcare coverage gap for:
  • Non-Coordinated Deductible Relief for groups 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.)
  • 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