Copay Coverage (Fixed Indemnity) — Simple Safety Net
Fixed indemnity (copay coverage) is supplemental insurance that pays fixed cash benefits for covered services — helping with hospital copays, deductibles, ER visits, and other out-of-pocket costs your main plan doesn't fully cover. It is not major medical or minimum essential coverage; it works alongside your primary plan, and benefits can be paid to you or assigned to your provider.
Cash benefits paid for covered services to help with hospital copays, deductibles, and other out-of-pocket costs your main plan doesn't fully cover.
What it is
- Fixed benefits: pays set amounts per covered service or day (example: an office visit might pay a set dollar amount—varies by plan).
- Supplemental: not a substitute for major medical. It works with your primary insurance.
- Flexible use: use the cash for copays, deductibles, prescriptions—or other expenses from a hospital stay.
- Payment options: benefits can be paid to you or assigned to the provider.
When it helps
- High hospital or ER copays on a Medicare Advantage or individual plan.
- Big deductibles on under-65 coverage.
- Scheduled procedures or unexpected accidents.
Plans we can discuss
Options include Golden Rule Insurance Company (UnitedHealthcare) fixed indemnity plans such as Health ProtectorGuard®, and other carriers. Product names, amounts, and availability vary by state.
Quick chat?
Tell me your current plan and goals. I'll show simple supplemental options—no pressure.
Disclosures
Fixed indemnity insurance is supplemental and not minimum essential coverage. Benefits are paid in fixed amounts as defined by the policy and may have limitations, exclusions, and waiting periods. Availability and policy forms vary by state and carrier. Read the policy for details.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Frequently Asked Questions
Is fixed indemnity major medical insurance?
Can it pay me or my provider?
Why consider it?
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.