The Pre-Tax PlaybookThe employer's briefing on Section 125 benefits

Talk with us

Get your real numbers

Tell us about your company. We'll set up a short call and, if it's a fit, a census review that produces a Financial Impact Statement with projected results after fees.[41, 34]

Required federal noticeFixed indemnity insurance

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

  • The payment you get isn't based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn't a substitute for comprehensive health insurance.
  • Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
  • If you have this policy through your job, or a family member's job, contact the employer.

We use your details only to follow up on this request. No spam.

What happens next

  1. A 15-minute call to see if the program fits your workforce.
  2. If it fits: a census review (headcount, wages) to show who qualifies.[43]
  3. A Financial Impact Statement with projected results after fees — an estimate, not a guarantee.[41, 67]
  4. The document package: policy form, plan documents, legal memo for your advisor.[14, 46, 64]