Is a cash-benefit layer the right tool for you?
Fixed indemnity does one job well: it converts covered events into predictable cash. Three situations we hear weekly — and the straight answer for each.
Sitting on top of a high-deductible plan
Your major medical protects you from disaster; fixed cash benefits soften the deductible years when care actually happens.
Priced out of major medical, want something
When an unsubsidized premium is out of reach, a schedule of set cash benefits keeps common events from becoming debt.
Hourly or gig work without employer benefits
No open enrollment, no group plan. Cash benefits pay per event and help replace what a missed shift costs you.
Set cash benefits
Each covered service pays a fixed amount, printed in your schedule before you buy.
Paid directly to you
Benefits go to you, not the hospital — spend them on anything.
An added layer
Works on top of other coverage; not a replacement for major medical.
Frequently asked questions
Answers by our licensed team Reviewed for accuracy Updated September 9, 2026