Fixed-Indemnity Medical Plans for Employers and Associations


  • Outpatient Only option with Rx coverage and Telemedicine

  • Add Inpatient coverage for accidents and illness - including maternity


  • Ten Critical Illnesses covered including cancer and heart attack

  • Accidents that cause hospitalization

  • Prolonged hospital stays

WHAT IS fixed-indemnity MEDICAL?

A voluntary, limited fixed-indemnity and accident medical plan designed to provide a basic to mid-level medical benefit for employees and association members who are not covered by a major medical plan. Coverage levels are higher than mini-med plans but still less than major medical. Various levels of plans provide total potential fixed-indemnity, accident medical payments and reimbursements of $15,000 to $100,000 per year at a premium that is 25% to 40% less than the cost of a major medical plan. Plus, PPO discounts, telephonic and video doctor visits, and Rx copays.

Working adults average $6,632 annually in medical expenses.

Less than 5 percent of insured individuals incur over $17,402 annually in medical expenses.

1 Centers for Medicare and Medicaid Services: Research, Statistics, Data & Systems. Selected dates - 2012. IMPORTANT NOTICE: Insurance policies providing certain health insurance coverage issued or renewed on or after September 23, 2010, are required to comply with all applicable requirements of the Patient Protection and Affordable Care Act (PPACA). However, there are a number of insurance coverages that are specifically exempt from the requirements of PPACA (See § 2791 of the Public Health Services Act).

When I asked my agent for affordable healthcare, he showed me a high deductible major medical plan. I would have to pay thousands out of pocket before I was reimbursed for anything other than a few office visits. If I had thousands to spend, I wouldn’t need insurance so badly. I need a plan that helps cover my expenses on day one!


If you are healthy, hardly ever go to the doctor, and have a limited budget, this plan is your most affordable option. Keep in mind, this plan covers Outpatient expenses like doctor visits, lab and x-ray, accidents, ER visits, Rx, Telemedicine and counseling only. If you are concerned about larger, unexpected events, Critical Med might be a good add-on.


If you are looking for affordable, basic coverage, the Fundamental Care Standard Plan is a good option. This plan includes the Outpatient Only Plan coverage but adds inpatient benefits for accidents and illness (including maternity). It is a limited benefit plan, so if you have concerns about high-cost unexpected expenses, adding Critical Med might be a fit.



Expenses hit unexpectedly. If you’re not really worried about routine medical care due to the high cost of insurance, you may just choose to go without. However, you may worry about what you would do if something serious happened. A broken leg alone can cost over $18,000 dollars! Fundamental Care Critical Med offers up to $80,000 of coverage for hospitalization, accidents, and critical illness.

The Fundamental Care fixed-indemnity Medical Plans

Nearly half the cost of ACA plans, offer access to the First Health Network (96% national coverage) and help to better meet individuals and families medical coverage needs.

  • Unlimited Telemedicine 

  • No Deductibles 

  • Copay Rx Insurance Card 

  • Outpatient Only Option 

  • Wellness Benefits 

  • Emergency Room Benefits 

  • Guaranteed Issue Health Plans 

  • Affordable Premiums 

  • High Limits and PPO Discounts 

  • Inpatient Buy-up 

  • Set-Limit of Catastrophic Buy-up 

  • 24/7 Telemedicine Access!

Request more information to become a licensed agent today.

Independent Agents and Brokers

Licensed Insurance Call Centers

IMOs, FMOs, Fraternals, and Affinity Partners

Subscribe to Site

Coterie Advisory Group, Inc.


Phone: 602-884-8096

This website is for marketing and illustrative purposes only to licensed insurance agents and brokers as an invitation to inquire, and is not intended to solicit insurance. For specific plan details, rates, exclusions, limitations, and state availability please contact Coterie Advisory Group using the online form, email, or phone listed above.

Copyright Coterie Advisory Group, Inc. All rights reserved.