Resources
1-3-12 Solution
Insurance for Individuals and Families
Product Portfolio
Short-Term Medical
ACA Plans
Fixed Indemnity
Healthcare Sharing Ministry Programs
Supplemental Plans
Dental & Vision
Insurance Plans
Short Term Medical Plans
Supplemental Plan Options
Additional Insurance Options
IMG Travel Insurance
Retirable Retirement Services
Lyric Telemedicine
Prudent Pet Insurance
Break Free From High Deductible Health Plans With Fixed Benefit Medical Insurance
Fixed-benefit medical or limited-benefit insurance offers a straightforward health coverage solution, paying a predetermined "fixed" amount for eligible medical services, ensuring you get the support you need without any surprises.
Features of Fixed Benefit Medical Insurance
Skip the Deductible
You don't have to pay out-of-pocket for covered services before the insurance starts to pay providing financial protection for unexpected emergencies.
Zero Network Restrictions
There are no network restrictions or risk of going "out-of-network". The plan pays the same amount no matter what provider is seen for treatment .
Benefits When You Need Them
Freedom to see any doctor or hospital without fear of higher out-of-network costs. Defined benefits are typically paid quickly so you can get on with your life.
Why Choose a Fixed Benefit Medical Plan?
50% of Americans
Have less than $5,000 on average in savings1
$0 Deductible
Fixed benefit medical plans give you first dollar benefits without satisfying a deductible
90% of Individuals
Reported that these plans effectively covered essential medical expenses and significantly reduced concerns about their financial security2
1“How Much Does the Average American Have in Savings?” YouGov, January 4, 2023.
2“Americans Agree: Fixed Indemnity Plans Are Important for Financial Security and Peace of Mind." AHIP, August 14, 2023.
How Fixed Benefit Medical Insurance Works
Hospital Stay
Description of Services
Total charges - 7 days
Total adjustments/Network Discounts
Current Balance
Fixed Benefit Medical Pays
Description of Transaction
Admission Benefit
Hospital Days at $4,000
Total Paid
*For illustrative purposes only. Amounts based on average claims data. Results. may vary based on plan selected and state.
Amount:*
$41,660.41
-$18,747.18
$22,913.23
Amount:*
$2,000.00
-$28,000.00
$30,000.00
Routine Preventive exam w/ labs
Services received:
Preventive care/ office visit
Laboratory tests
Total Bill
Balance after Network discounts*
Plan pays
Your Balance
Cost:
$95
+$90
$185
$130
-$125
$5
Talk to an insurance agent today
Learn more about the different types of insurance and get a quote for your specific needs.
9am-6pm EST Monday - Friday
10am-4pm EST Saturday - Sunday
Empowering health coverage at every life turn.
Disclaimer:
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services).
Your Policy/Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to the plan effective date.
PivotHealth.com is the website domain of PivotHealth Holdings, LLC (Pivot Health), a wholly-owned subsidiary of HealthCare, Inc. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of insurance.
Pivot Health develops and markets a portfolio of proprietary health insurance and supplemental insurance products under the Pivot Health brand in addition to serving as a licensed broker under PivotHealth Holdings, LLC. Pivot Health may earn revenue for clicks, calls and insurance applications generated, and may be compensated by its advertisers for sponsorship. Compensation may impact where and in what order insurance products appear. Pivot Health’s platforms do not include all health insurance companies or all available insurance products.
For assistance with Medicare plans dial 844-231-3417
For other plans please dial 866-967-3416
