Confused about fixed indemnity health insurance? You’re not alone. These plans offer set cash payouts for specific medical events—but they’re not the same as major medical insurance. With expert insights and real-life examples, you’ll get the information you need to decide if this supplemental coverage fits your healthcare needs and budget.
What Is Fixed Indemnity Health Insurance and Is It Right for You?
Choosing the right health insurance plan can feel overwhelming, especially when facing so many options. Maybe you’re looking for coverage for the first time, or perhaps you already have insurance but are frustrated with high out-of-pocket costs. If that sounds familiar, you might be wondering—what else is out there?
One option worth considering is a Fixed Indemnity Insurance plan. This type of supplementary coverage provides set cash payouts for specific medical bills or events, like doctor visits or hospital stays. While it’s not a replacement for major medical insurance and doesn’t include the essential benefits required by the Affordable Care Act (ACA), it can offer valuable financial support when you need it most. Read on to learn what fixed indemnity insurance covers, how it works, and whether it might be the right fit for you.
Key Takeaways
- Fixed Indemnity Insurance benefits provide a set cash payout for specific covered events and can help cover out-of-pocket costs for medical expenses or other needs.
- They are designed to supplement existing coverage, providing additional financial support for specific medical events at generally lower monthly premiums compared to traditional insurance plans.
- Fixed Indemnity Insurance plans do not meet the Affordable Care act terms of minimum coverage.
Understanding Fixed Indemnity Health Insurance
What is a Fixed Indemnity Plan?
Fixed Indemnity Insurance is a specific type of supplemental coverage that pays a predetermined, fixed amount for covered medical services—regardless of the actual cost. These plans are designed to help offset out-of-pocket expenses that a traditional health insurance plan might not fully cover, such as copays, deductibles, or coinsurance.
Many people today are enrolled in high-deductible health plans (HDHPs)—whether through an employer or the Affordable Care Act (ACA) Marketplace. These plans often come with lower monthly premiums but require you to pay more out of pocket before full coverage kicks in. Fixed Indemnity Insurance can complement an HDHP by providing cash benefits that help cover those upfront medical costs, making healthcare expenses more manageable.
Because of this, fixed indemnity plans are becoming increasingly popular among small business owners looking to enhance their benefits package, young families, and even uninsured individuals who need temporary financial protection while waiting for an open enrollment period.
How Does Fixed Indemnity Insurance Work?
Fixed Indemnity Insurance acts as a supplemental plan, not major medical insurance, so it doesn’t cover the 10 essential health benefits mandated by ACA.
These plans offer lower premiums due to limited benefits, but they vary by policyholder age, location, and chosen coverage. Unlike comprehensive plans, you can enroll anytime. Work with your agent to find the best fit for your needs.
You pay your monthly premiums through the benefits administrator for your plan. After a medical event, qualifying events can be reimbursed after you file a claim. All claims will be filed and paid through the insurance company that underwrites the fixed indemnity plan you enrolled in for reimbursement.
Sample benefit schedule (illustrative)
Specific benefit amounts vary by carrier and plan tier, but a typical fixed indemnity policy might pay benefits like:
| Covered event | Sample benefit |
|---|---|
| Doctor’s office visit | $100 per visit |
| Diagnostic test (X-ray, MRI, blood panel) | $75 per test |
| Emergency room visit | $300 per visit |
| Outpatient surgery | $500–$1,500 per procedure |
| Hospital admission | $1,000 (one-time on admission) |
| Daily hospital stay | $200 per day |
| ICU day | $400 per day |
| Ambulance | $200 per ride (ground); higher for air |
These are sample benefit amounts to illustrate the structure. A specific plan’s schedule will be in the policy documents — review them carefully so you know exactly what each event pays.
Two scenarios, walked through
Scenario A: Routine care for a healthy adult on an HDHP.
Sarah has a high-deductible health plan ($4,000 deductible) and a fixed indemnity policy. In a typical year she has two doctor’s visits ($100 each = $200), one blood panel ($75), and one X-ray after a minor sports injury ($75). Total fixed indemnity payout for the year: $450. Her primary plan applies its negotiated rate to each visit; the fixed indemnity cash offsets her copays and any non-covered charges, with money left over.
Scenario B: Hospitalization for an unexpected event.
Sarah is hospitalized for appendicitis: 1 ER visit, outpatient surgery, and a 2-day inpatient stay. Her fixed indemnity payouts: $300 (ER) + $1,000 (surgery) + $1,000 (admission) + $400 (2 days × $200) = $2,700. Her primary plan still applies its $4,000 deductible to the actual hospital charges, but the $2,700 cash benefit substantially offsets that deductible exposure. Without the fixed indemnity plan, the deductible hit lands fully on Sarah.
How a fixed indemnity claim moves
- Covered event happens. You have a doctor’s visit, ER visit, surgery, hospital stay, or other event listed in your benefit schedule.
- You file a claim. Submit a claim form to your fixed indemnity carrier with documentation of the event (a doctor’s note, hospital discharge summary, etc.). Most carriers have online claim portals.
- The carrier reviews. They confirm the event matches the policy’s benefit schedule.
- Payout to you. The carrier pays the fixed benefit amount directly to you, typically within a few weeks of an approved claim.
- You decide where it goes. Use the cash for the deductible, copays, lost wages, or anything else the situation calls for.
Example: How Fixed Indemnity Insurance Can Help
Let’s say Jackie has an employer-sponsored health plan with a high deductible. She needs to stay in the hospital and ends up with a $1,000 out-of-pocket bill. If she has a hospital indemnity plan that pays a fixed $500 per hospital stay, she receives a direct payment of $500, cutting her personal expenses in half.
This kind of supplemental coverage can be a valuable financial tool, helping individuals and families better manage unexpected medical costs.
What Does Fixed Indemnity Insurance Cover?
- Ambulance
- Anesthesia
- Diagnostic care
- Doctor office visits
- Emergency room visits
- Hospital stay
- Intensive care unit
- Surgical procedures
What Does Fixed Indemnity Insurance NOT Cover?
- Essential health benefits: These include preventive care, mental health services, and substance use treatment.
- Pre-existing conditions: These plans typically exclude coverage for any conditions you had 12 months before enrolling.
- Maternity & newborn care: Pregnancy, childbirth, or newborn baby expenses are typically not covered.
- Prescription medicine: Some plans might offer a small benefit towards prescription drugs, but it’s unlikely to cover the full cost.
Fixed indemnity plans do not comply with ACA regulations, meaning they don’t cover the 10 essential health benefits mandated by the Affordable Care Act.
Risks and limitations of fixed indemnity insurance
Fixed indemnity has real benefits but also real limitations worth being honest about before you buy.
- Underinsurance risk if used as primary coverage. A fixed indemnity policy paying $1,000 on a hospital admission won’t go far against a $40,000 hospital bill. Used as a standalone plan, the gap between benefits and actual costs can be catastrophic.
- Mismatch with expectations. Some people buy fixed indemnity thinking it works like comprehensive insurance. It doesn’t. It pays fixed cash benefits per event, not a percentage of medical bills.
- Medical-debt risk. Relying on fixed indemnity instead of major medical insurance is a recipe for medical debt if a serious event happens. It’s a supplement, not a replacement.
- Pre-existing condition exclusions. Most plans exclude pre-existing conditions for 12 months or longer.
- Annual and lifetime benefit caps. Many policies cap total payouts per year or per lifetime.
Fixed indemnity might NOT be the right fit if any of these are true:
- You don’t already have major medical insurance.
- You have a chronic or pre-existing condition that drives most of your medical spending.
- You expect to use the policy as your sole source of health coverage.
- You can’t afford to wait 12 months for pre-existing condition coverage to begin.
- You’re looking for prescription drug coverage as a primary need.
Myth vs. fact
| Myth | Fact |
|---|---|
| “It covers everything my health insurance does.” | It pays fixed cash on specific events. It does not include ACA essential health benefits and is not designed to be comprehensive. |
| “It’s the same as supplemental health insurance.” | Fixed indemnity is one type of supplemental insurance. Accident insurance and critical illness insurance are others. They solve different problems. |
| “If I have a fixed indemnity plan, I don’t need major medical.” | You do. Fixed indemnity is designed to layer on top of major medical, not replace it. |
| “All plans pay the same.” | Benefit schedules vary substantially between carriers and tiers. Always read the schedule before enrolling. |
Who Can Get Fixed Indemnity Insurance?
Eligibility will vary depending on the policy and the state. If you’re between 18 and 64, you may apply in any state where the plan is sold.
Who Should Get Fixed Indemnity Insurance?
If you have a major medical plan with a high deductible, Fixed Indemnity Insurance can help you manage the out-of-pocket costs you might incur before your primary plan kicks in. The cash benefit from a fixed indemnity plan can help cover deductibles, coinsurance, or copays.
High-deductible Health Plan (HDHP) Owners
Waiting for Open Enrollment
Although fixed indemnity plans are not a substitute for a major medical plan, it can be a good supplement for comprehensive major medical coverage. Since the fixed indemnity benefits pay directly to you that means you control how best to use them to pay out-of-pocket expenses.
If you’re between jobs or waiting for the next open enrollment period to get coverage, a fixed indemnity plan can provide temporary coverage for unexpected medical expenses. You don’t have to wait until the next enrollment period to enroll in one of these plans even though they are offered during open enrollment.
Limited Budget
Supplementing Existing Coverage
Fixed indemnity plans typically have lower monthly premiums compared to major medical plans. This can be an attractive option for those who can’t afford a comprehensive plan, but still want some financial protection for healthcare costs.
When partnered with a major medical plan, a fixed indemnity plan can help with out-of-pocket expenses you may incur. The pre-determined cash benefits associated with fixed indemnity plans can help offset the deductible, coinsurance or copays that your major medical plan requires.
One group worth calling out: contract workers whose employer coverage starts and stops with each assignment. Because fixed indemnity plans belong to you rather than your employer, they hold steady through job changes and coverage gaps. Our guide to health insurance for travel nurses shows how that plays out in the most extreme version of contract work.
How to decide if fixed indemnity is right for you
Five questions to answer before you enroll:
- What’s my current deductible? If it’s $3,000 or higher, fixed indemnity can substantially offset deductible exposure on a major event.
- Could I comfortably absorb a $5,000 hospital bill from cash savings? If yes, fixed indemnity is a “nice to have.” If no, it’s closer to “should have.”
- Am I clear on what the plan does NOT cover? Read the exclusion list. Pre-existing conditions, mental health, maternity in most cases, and most prescription drugs are typically out.
- Will I keep this policy more than 12 months? If yes, the pre-existing condition waiting period (typically 12 months) becomes less of a concern.
- What life stage am I in? Different stages favor different products — see below.
Two quick personas
Budget-conscious young family. Both parents work, two kids, an HDHP plan via one employer. Fixed indemnity makes sense as a low-monthly-cost layer on top of the HDHP to absorb deductible exposure on a hospital admission (kids especially). Next step: get a quote on a family policy with hospital admission and daily inpatient benefits emphasized.
Self-employed individual between open enrollments. Lost W-2 coverage in March, won’t have access to a new group plan until January. Fixed indemnity layered on top of a short-term medical plan (or alongside ACA Marketplace coverage if available) provides cash benefits on top of the limited coverage. Next step: confirm whether a Special Enrollment Period applies before purchasing supplemental coverage.
Bring your answers to these questions when you talk to an agent. A licensed advisor can run plan comparisons that account for your specific deductible, household, and budget. Get a free quote here.
Types of Fixed Indemnity Insurance
- Hospital indemnity: Provides a fixed cash benefit for each day you are hospitalized. We cover this product in depth, including how it differs from a broader fixed indemnity plan, on our hospital indemnity page.
- Accident indemnity: Pays a lump sum or daily benefit if you are injured in an accident, depending on the severity.
- Critical illness indemnity: Provides a lump sum payment if you are diagnosed with a covered critical illness.
How fixed indemnity compares to other supplemental plans
Several supplemental insurance products look similar from a distance but solve different problems.
| Product | Primary problem it solves | Best fit |
|---|---|---|
| Fixed indemnity | Out-of-pocket cost offset across many event types | High-deductible plan holders looking for cash benefits across multiple event types |
| Hospital indemnity | Hospitalization cost offset specifically | People focused on hospital-admission risk (HDHP holders, expectant parents, chronic conditions) |
| Accident insurance | Recovery costs after accidental injury | Active lifestyles, high-risk jobs, families with kids |
| Critical illness insurance | Lump-sum cash on diagnosis of major illness | People with family history of cancer, heart disease, stroke |
| Short-term medical insurance | Stand-in for major medical for a defined period | People without primary coverage temporarily |
For a deeper comparison, see our guide to supplemental health insurance options.
Pros and Cons of Fixed Indemnity Insurance
Pros
- Benefits are clearly outlined, and there should be little uncertainty about benefit amounts
- Coverage begins right away, so there is no need to meet a deductible
- You can enroll or cancel anytime
Cons
- They don’t cover all 10 essential health benefits as defined by the ACA
- Plans include limits on your annual and/or lifetime benefit
- These plans won’t fully cover bills in case of a major medical event
How fixed indemnity plans are regulated
Fixed indemnity insurance is classified as an “excepted benefit” under federal law, which means it isn’t subject to the Affordable Care Act’s consumer-protection requirements. That’s why these plans can exclude pre-existing conditions, impose annual and lifetime caps, and skip essential health benefits — none of which a major medical plan can do.
State insurance departments add their own rules on disclosures, marketing language, and minimum benefits. Rules vary by state. If a plan’s marketing looks like it’s positioning fixed indemnity as comprehensive coverage, that’s a red flag worth checking with your state’s insurance department.
Is Fixed Indemnity Insurance is Right for You?
Get a personalized recommendation from one of our licensed agents—no pressure, just honest guidance.
Indemnity Policy Comparison
Fixed indemnity health insurance is supplemental insurance that covers out-of-pocket costs for specified services and other expenses during a time of critical illness or accident. An indemnity plan isn’t comprehensive coverage and is designed to complement your primary health insurance. Let’s take a look at a fixed Indemnity plan compared to other types of plans.
Fixed indemnity vs. PPO (Preferred Provider Organization) Plans
| Indemnity Health Insurance | PPO Plans | |
|---|---|---|
| How much will this plan cost? | Fixed indemnity plans typically have lower monthly premiums. | Yes, in some cases, you will have to pay a doctor for services directly and then file a claim to get reimbursed. |
| Do I have to use a primary care physician? | No–Indemnity plans do not require the use of a primary care physician. | No–PPO plans do not require the use of a primary care physician. |
| Will I need to file claims? | Yes, you will have to pay a doctor for services directly and then file a claim to get reimbursed. | Yes, in some cases you will have to pay a doctor for services directly and then file a claim to get reimbursed. |
Fixed Indemnity vs. Major Medical Insurance
| Indemnity Health Insurance | Indemnity Health Insurance | |
|---|---|---|
| Are out-of-pocket costs capped? | Do not cap out-of-pocket costs | Typically limits the amount the enrollee must pay for covered services |
| How are medical payments made for claims? | Policyholders are paid directly | No deductibles or copays |
| Are there deductibles or copays? | No deductibles or copays | Deductibles, copays, and out-of-pocket percentages |
| Are these plans ACA regulated? | Not regulated by the ACA | Regulated by the ACA |
| Can I choose my healthcare provider? | Unlimited choice of healthcare providers | Typically covers specified service area |
| Will I need a referral to see a doctor? | No referrals necessary | Referrals often required |
Evaluating Costs: How Much Does Fixed Indemnity Insurance Cost?
Fixed Indemnity Insurance plans typically range from $200 to $400 per month for an individual. However, the exact cost depends on several factors, including:
- Plan level: More comprehensive plans with higher benefit payouts, as well as coverage for multiple family members, generally cost more.
- Benefits needed: Coverage for additional services, such as hospital stays or specialized treatments, may increase the premium.
- Age: Older individuals may face higher premiums due to increased health risks.
- Location: Plan availability and pricing vary by state.
With vs without: a typical year on an HDHP
A simple way to evaluate whether a fixed indemnity plan pays off is to model a typical year of medical use against the plan’s benefit schedule.
| Without fixed indemnity | With fixed indemnity ($60/mo) | |
|---|---|---|
| 2 doctor visits (HDHP, before deductible) | Pay full negotiated rate, ~$240 total | Pay full rate; receive $200 fixed indemnity = net ~$40 |
| 1 ER visit (sprained ankle) | ~$1,500 out-of-pocket toward deductible | Same $1,500 out-of-pocket; receive $300 = net $1,200 |
| Annual cost of plan | $0 | $720 |
| Net year (no hospitalization) | -$1,740 | -$2,220 (you “paid more” because no hospitalization happened) |
| Net year (one hospitalization adds $5,000 in deductible exposure) | -$6,740 | -$4,520 (fixed indemnity offset $2,200 of the hospitalization) |
The math depends entirely on whether a high-cost event happens. In low-utilization years, you’ll spend more than you receive. In a high-utilization year, the policy pays off substantially. Many people find the cash-benefit predictability worth the modest premium.
To get an accurate quote, consider speaking with an insurance agent or using an online tool to compare plans.
Alternative Options to Consider
If Fixed Indemnity Insurance does not seem like the right fit, consider these alternatives:
- Major medical insurance: Provides comprehensive coverage for a wide range of medical expenses.
- Short-term health insurance: A temporary solution that offers limited but broader coverage than fixed indemnity.
- Critical illness or accident insurance: May offer additional benefits for specific medical conditions.
Most Popular Fixed Indemnity Plans
Fixed indemnity plans vary based on the coverage they offer, but the most popular options include:
- Hospital indemnity: Provides a fixed cash benefit for each day you are hospitalized.
- Accident indemnity: Pays a lump sum or daily benefit if you are injured in an accident, depending on the severity.
- Critical illness indemnity: Provides a lump sum payment if you are diagnosed with a covered critical illness.
Before selecting a Fixed Indemnity plan, carefully assess your healthcare needs and financial situation to ensure it aligns with your overall health coverage strategy.
Integrating Fixed Indemnity Insurance into a Wholistic Benefit Solution
To maximize the benefits of Fixed Indemnity Insurance, it should be integrated into a wholistic benefit solution. Here’s how:
Step 1: Assess Your Needs
Begin by evaluating your current health insurance coverage and identifying any gaps. Consider factors such as out-of-pocket costs, deductibles, and copays.
Step 2: Choose the Right Plan
Work with a Champion Benefit Advisors licensed insurance agent to find a Fixed Indemnity Insurance plan that aligns with your needs and budget. Ensure that the plan covers the specific medical events that are most relevant to you.
Step 3: Educate Employees
If you are a small business owner, educate your employees about the benefits of Fixed Indemnity Insurance. Provide clear information on how it works, what it covers, and how it complements their existing health coverage.
Step 4: Regularly Review and Adjust
Health insurance needs can change over time. Regularly review your Fixed Indemnity Insurance plan to ensure it continues to meet your needs. Adjust coverage as necessary to address any changes in your personal or family circumstances.
Fixed Indemnity Insurance is a valuable component of a wholistic benefit solution, providing financial security and peace of mind for a wide range of individuals and families. By understanding its benefits and integrating it strategically into your healthcare coverage, you can ensure comprehensive protection for yourself and your loved ones.
Don’t overlook the importance of Fixed Indemnity Insurance. Explore your options today and take the first step towards a more secure and accessible healthcare future.
For personalized guidance on integrating Fixed Indemnity Insurance into your benefit solution, connect with one of our expert agents.
How fixed indemnity works through your employer
Many employers offer fixed indemnity insurance as a voluntary benefit alongside their group medical plan. Three things to know:
- Voluntary, payroll-deducted. Premiums come out of your paycheck pre-tax in most setups, lowering the effective cost.
- Portable in most cases. If you leave the employer, most voluntary fixed indemnity policies can convert to a direct-pay individual policy at the same rates. Check with the carrier.
- Pairs with group HDHPs. Employers offering HDHPs frequently add fixed indemnity as a way to manage employee out-of-pocket exposure without raising group plan costs.
Example employer setup. A 20-person construction firm offers an HDHP as its primary group plan and adds a fixed indemnity benefit at no employee cost (employer-paid). The HDHP keeps the group premium contribution low, and the fixed indemnity benefit absorbs deductible exposure on hospital events — a meaningful safety net for a workforce with elevated injury risk.
Factors to Consider Before Choosing Fixed Indemnity Insurance
Coverage Limitations and Annual/lifetime Caps
Each fixed indemnity Insurance plan comes with its own coverage conditions, benefit amounts, and caps. Some plans have annual or lifetime limits on payouts, which can impact long-term medical expenses. Be sure to review the details and speak with an agent to determine which plan best fits your needs.
Waiting Periods and Pre-existing Condition Exclusions
Fixed indemnity insurance benefits may not be available immediately. Members can begin using benefits on their plan’s effective date, but there may be waiting periods for certain coverages.
Additionally, pre-existing conditions are not covered until a policyholder has been enrolled for 12 consecutive months.
Who Would Benefit From Fixed Indemnity Insurance?
- Healthy individuals: If you’re generally healthy and looking for coverage toward an annual doctor visit or some financial relief for out-of-pocket expenses from an accident or sudden illness, a fixed indemnity plan can be a good option.
- People with high-deductible major medical plans: If your primary health insurance has a high deductible, copay, or coinsurance, Fixed Indemnity can provide cash benefits to help cover those out-of-pocket expenses.
- Those seeking additional financial protection: While not a replacement for comprehensive insurance, fixed indemnity can supplement your existing coverage by offering cash benefits to help cover extra costs like lost income during recovery.
Who would NOT Benefit from Fixed Indemnity Insurance?
- Individuals with chronic or critical health conditions: If you require ongoing treatment or need extensive coverage for conditions such as cancer, diabetes, or heart disease, fixed indemnity insurance alone will not provide sufficient protection.
- Those expecting comprehensive medical coverage – Fixed Indemnity is designed to provide set cash benefits for specific services rather than covering the full cost of medical care like traditional health insurance.
Key Questions to Ask Before Buying
- What are the benefit limits, and do they meet my potential medical needs?
- Are there any waiting periods that could affect my coverage?
- How does this plan complement my existing health insurance coverage?
- Are pre-existing conditions covered, and if so, when do benefits start?
- What types of medical expenses does the plan reimburse?
- Does the plan offer coverage for routine doctor visits, hospital stays, or emergency care?
Buyer beware: what to watch for
Some fixed indemnity marketing positions these plans as something they’re not. Red flags worth catching:
- Marketing that mentions “essential health benefits” or “ACA-compliant.” Fixed indemnity is by definition not ACA-compliant. Anyone marketing it as ACA coverage is misleading you.
- Promises of full coverage. No fixed indemnity plan covers 100% of any medical bill. They pay fixed dollar amounts per covered event.
- Pressure to enroll without seeing the benefit schedule. Read the benefit schedule before signing.
- Vague exclusion language. Specific exclusions in plain English are a good sign. Vague language is not.
At Champion Benefit Advisors, our licensed agents walk you through the benefit schedules, exclusions, and trade-offs transparently. We’re salaried, not commission-driven, so the recommendation isn’t shaped by which carrier pays best. If a fixed indemnity plan isn’t the right fit, an honest advisor will say so — including when major medical or short-term medical is a smarter starting point.
FAQs About Fixed Indemnity Insurance
Fixed indemnity plans are specific types of insurance that will pay a predetermined “fixed” amount for a covered medical event service, regardless of the cost of the service. Designed to supplement and offset out-of-pocket costs that traditional insurance plans may leave, where a portion or percentage of the cost will be paid. After a covered medical event
Fixed indemnity Insurance isn’t a substitute for a major medical plan, but it can be a valuable supplement to your existing coverage, especially if you’re looking for extra financial protection. Since these plans pay cash benefits directly to you, you have the flexibility to use the funds however you need, whether it’s covering deductibles, copays, coinsurance, or other out-of-pocket expenses.
If you have a high-deductible health plan (HDHP), a fixed indemnity plan can help bridge the gap by providing financial relief before your primary coverage kicks in. It can also be a helpful option if you’re between jobs or waiting for the next Open Enrollment period, offering temporary coverage for unexpected medical costs.
Additionally, fixed indemnity plans tend to have lower monthly premiums compared to comprehensive health insurance options, making them an appealing choice for those who need affordable supplemental coverage. While they don’t replace major medical insurance, they can provide peace of mind by helping to manage healthcare expenses when you need it most.
Depending on the coverage, Indemnity benefits can include:
- Intensive care unit stays
- Emergency room visits
- Surgical procedures
- Doctor office visits
- Hospital stays
- Anesthesia
- Diagnostic care
- Ambulance
After the policyholder submits a claim, the provider reviews if there are covered costs and if approved, will mail a check for the covered costs to the policyholder.
An indemnity payment is a payment to the policyholder after a covered loss, such as a payment for a hospital stay following an accident if enrolled in an accident indemnity plan.
Following a covered medical event such as a hospital stay or accident, the policyholder would file a reimbursement claim. All claims are filed and paid through the underwriting insurance company for the fixed indemnity plan for reimbursement.