Limited Benefits
Coverage When You Need It Most
Fixed Indemnity Medical Plans provide simple, predictable benefits by paying a flat dollar amount for covered services—without requiring members to meet an annual deductible. When an unexpected sickness or injury occurs, these plans offer financial support at the moment it's needed most.
There are no pre‑existing condition limitations, and plan designs and availability may vary by state.
What These Plans Cover
Most plans include (but are not limited to) coverage for:
Wellness & Preventive Care
-
Routine wellness visits
-
Preventive services
-
Prescription drugs*
*Prescription benefits are not included in indemnity plans offered in California.
Outpatient Fixed Indemnity Benefits
- Physician office visits
- Diagnostic lab services
- Diagnostic X-rays
- Ambulance services
- Emergency room care
- Outpatient surgery
- Anesthesiology
Inpatient Fixed Indemnity Benefits
- Standard inpatient care
- Intensive care unit (ICU) services
- Inpatient surgery
- Anesthesiology
- Skilled nursing facility care
Fixed indemnity medical benefit plans are a supplement to health insurance. They are not a substitute for essential health benefits or minimum essential coverage as defined by federal health law. If you do not have other health insurance coverage, you may be subject to a tax penalty. Please consult with your tax advisor for more information.
A Practical Solution for Part-Time and Hourly Employees
These plans pay fixed dollar amounts for covered services with no deductibles, giving employees immediate access to care and predictable out‑of‑pocket costs.
PAI’s plans include wellness and prescription benefits, plus coverage for key outpatient and inpatient services like office visits, labs, X‑rays, ER care, surgery, and hospital stays—with no pre‑existing condition limitations. Employers benefit from an affordable way to enhance their compensation package, attract talent, and reduce turnover, while PAI handles all administrative details for a smooth, low‑effort experience.
Supplemental Protection Products
These plans provide cash benefits that can be used however members need—helping reduce out‑of‑pocket costs, ease financial stress, and support recovery.
Critical Illness Insurance
Critical illness insurance helps lessen the financial burden of serious, life‑threatening conditions. After a covered diagnosis, the plan pays a lump‑sum benefit that employees can use for anything—from medical expenses, deductibles, and child care to everyday living costs—providing vital support during a challenging time.
Accident Insurance
Accident insurance provides a fixed benefit when an employee or covered family member is injured in an accident. These funds can help pay for copays, deductibles, coinsurance, home health care, lost wages, or any other expenses the employee chooses, making recovery more manageable.
Designed to complement existing coverage, these solutions give employees greater peace of mind during life’s most difficult moments.