HealthAccess

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The HealthAccess II SM Fixed Indemnity Plan is offered without medical underwriting and provides first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pays the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network.

• The HealthAccess Fixed Indemnity Plan is available without medical underwriting.

• You May Choose Any Doctor and Any Hospital! But you can stretch your dollars further by choosing an In-Network Provider.

• No Calendar Year Deductibles to Satisfy! 

• The HealthAccess Fixed Indemnity plan pays in addition to any coverage you have in force.

• Your initial rate is guaranteed for 12 months at no extra charge!

• 24-hour coverage, on or off the job.

• Portable coverage you can take with You even if you move or change jobs.

• The HealthAccess Fixed Indemnity Plan is not an essential health benefit plan under the Affordable Care Act (“ACA”). Instead, it will supplement an essential health benefit plan under which you must first satisfy a deductible every year before you are eligible to receive benefit payments.