Indemnity plans
Indemnity plans pay you a set cash amount for specific services, such as a hospital stay, regardless of what the care actually costs. They are a supplement, not a replacement for health insurance.
- Licensed in Pennsylvania
- Certified with Pennie
- 15+ years in insurance
What it covers
Hospital indemnity
Pays a fixed amount per day or per stay when you are admitted to the hospital.
Fixed cash benefits
The benefit is paid to you, and you decide how to spend it: deductibles, travel, or bills at home.
No provider network
Because the plan pays you a set amount, there is no network to stay inside.
Not comprehensive coverage
These plans do not meet the Affordable Care Act's requirements and do not replace a health insurance plan.
Pair it with a health plan
An indemnity plan works best next to a health plan. We can review both together so they fit.
Indemnity questions we hear most
Is an indemnity plan health insurance?
No. It pays a fixed cash benefit for specific services and is not comprehensive health coverage. Most people use one alongside a health plan, not instead of it.
How is the benefit paid?
Directly to you, in the fixed amount the policy lists for that service, regardless of what the provider bills.
Who is it a good fit for?
Usually people with a high deductible who want help covering it. We will tell you plainly if it does not make sense for you.
Get a free indemnity quote
Tell us what you need covered and we’ll compare your options. No fee, no obligation.
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