Home / Fixed Indemnity

Fixed Indemnity Insurance

A hospital stay or ER visit pays the set cash in your schedule — straight to you, on top of any plan.

No cost. No pressure. Takes about 2 minutes.

5.0 750+ members served
Smiling man with a beard checking his phone
Before any benefit table

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.

Benefits you can read in one page.

Fixed indemnity pays set dollars per visit or day — no networks, no deductible math. An agent checks the schedule against your real usage first.

Walk the schedule with an agent
Man playing pickup basketball at a neighborhood court

Frequently asked questions

GetHealthPlans.com licensed agent GetHealthPlans.com licensed agent Answers by our licensed team Reviewed for accuracy Updated September 9, 2026

A limited-benefit plan that pays a set dollar amount for each covered service or day — an office visit, an ER visit, a hospital day — as listed in its benefit schedule. The amounts are fixed before you buy and paid to you.

No. It is a supplement, not major medical coverage. It does not cap what a hospital can bill you, and it does not meet the Affordable Care Act’s definition of minimum essential coverage.

You file a claim for a covered event and the carrier pays the scheduled amount directly to you. There is no network, no deductible math, and nothing coordinated against another plan.

Yes. Benefits pay on top of whatever else you carry — a high-deductible major medical plan, a short-term plan, or nothing at all. They do not offset or reduce other coverage.

No. Once a benefit pays out it is your money. Most people use it for the deductible or the bill itself, but rent, groceries, and travel to appointments are all fair game.

Usually a short set. Answers can affect approval and pre-existing conditions are typically excluded for a period, so read the schedule and the exclusions before you enroll.

It depends on your age, state, the benefit level you choose, and who is covered. There are no dollar figures on this page because a real rate needs those inputs; a licensed agent can quote actual carriers for your ZIP code in about 2 minutes.

See what a schedule pays for your situation

One call compares indemnity schedules, and whether those dollars work harder in a major medical plan. No cost. No pressure.

Or call +1 (888) 885-6520 to talk with a licensed agent.

IMPORTANT CONSUMER DISCLOSURES: FIXED INDEMNITY INSURANCE

Fixed indemnity insurance is NOT health insurance. It pays a set cash amount for covered events — like a hospital day or a doctor visit — regardless of what your care actually costs. You are still responsible for paying for your care.

  • The payment you receive is not based on the size of your medical bill.
  • Annual or lifetime limits on what the policy pays may apply.
  • It is not a substitute for comprehensive health insurance and is not “minimum essential coverage” under the ACA.
  • Because it is not health insurance, it does not include most federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance? Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to see ACA coverage options. If you may qualify for coverage through your job, or a family member’s job, contact the employer.

State variations. Availability, benefits, exclusions, term limits, and required disclosures vary by state, and some products are not offered in every state. The state-specific notices in your quote, application, and policy documents control if they differ from this summary.

WHAT THIS APPLIES TO

These disclosures apply to the hospital & doctor fixed indemnity plans offered on this page through GetHealthPlans.com®.

  • Plans are underwritten by the insurance company identified in each plan’s details and policy documents.
  • This is a solicitation of insurance. A licensed insurance agent may contact you.
  • Speak with a licensed agent to confirm what a specific plan covers before you enroll.