Employers are looking for ways to offer affordable benefits that don’t create a lot of extra work for their benefits teams. Our fixed indemnity plans (also called fixed benefit plans) are a great way to offer extra coverage that pays each time employees visit a doctor or go to the hospital. Fixed indemnity plans are an Excepted Benefit under the ACA and are designed to complement Minimum Essential Coverage. Fixed Indemnity plans provide employees with valuable first dollar coverage that is not subject to a deductible or coinsurance and can help employees reduce their out-of-pocket expenses.

We’ve got flexible plan designs to meet almost any budget. For as little as $10 per week a month (for employee only), we can help employers offer benefits that will supplement a major medical plan and provide specialty benefits that employees really value. Benefits are affordable and our no-hassle administration makes The American Worker a perfect fit for employers who want to offer a variety of fixed indemnity and specialty benefits.