Premier Advantage

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Fixed Indemnity Plans provide payment for any covered healthcare service straight away, without requiring that a deductible be paid beforehand. Such plans use the most comprehensive national network and are not impacted by incurred expenses - they simply pay the predetermined benefit amount.

• Under each of our Fixed Indemnity Plans, you are provided with the convenience of having your eligible medical expenses covered immediately - without any calendar year deductible to satisfy. This distinguishes our plans from ACA essential health benefit plans and numerous other policies that obligate you to meet a deductible requirement prior to coverage for both in-network and out-of-network providers.

• You may choose Any Doctor and Any Hospital!   The PremierAdvantage Fixed Indemnity Plans pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network.  But you can stretch your dollars further by choosing an In-Network Provider.

• The PremierAdvantage Fixed Indemnity Plans with the Optional Well-GIST Rider are not ACA essential health benefits plans. However, while these are in full force and effect, You have the right to purchase additional coverage under Our PremierMed Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage". 

• Automatically Locks in Your rates for 24 months at no extra charge! 

24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.

Each plan pays in addition to any coverage You have in force.

Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.