Fixed-indemnity health benefits
Your health matters.
So does your money.
CashShield Health plans pay set cash amounts when you have a covered medical event — money you can put toward bills, deductibles, or everyday costs.
Fixed-indemnity plans provide limited cash benefits, not major medical coverage. Marketplace major medical options are also available through our advisors.
More ways to find coverage
Looking for comprehensive coverage? We also offer Marketplace major medical plans. Talk with a CashShield Health advisor to compare those options with fixed cash benefits. Discuss your options →
How fixed cash benefits work
A set amount.
Paid to you.
Traditional health insurance pays a share of what a provider bills. A fixed-indemnity plan works differently: each covered service has a stated benefit amount in your plan schedule, and that amount is what the plan pays — no matter what the provider charges.
Benefits are typically paid directly to you, unless you assign them to a provider. The amount you receive may be less than, or more than, the actual cost of care.
Covered event
A visit, test, or stay listed in your benefit schedule.
Fixed amount
The plan pays the dollar figure in your schedule — not a percentage.
Your money
Cash goes to you to use for medical bills or other expenses.
Supplemental Protection
Classic /
Classic Plus
Designed to sit alongside the health coverage you already have. Fixed cash amounts are paid for covered events and can help with deductibles, copays, travel, or household bills while you recover.
- Intended to be paired with existing medical coverage
- Pays a fixed amount per covered event, regardless of the bill
- Classic Plus offers a higher benefit schedule than Classic
Expanded Fixed-Benefit Protection
Elite /
Elite Plus
A broader fixed-benefit schedule with higher per-event amounts across more covered services. Some people consider Elite and Elite Plus when the alternative is going without coverage. Cash benefits are more robust to cover many regular medical expenses.
- Higher fixed benefit amounts across a wider set of covered services
- Benefits are capped per event, per day, and per plan year
- Compare with our Marketplace major medical options before choosing
How it works
Four steps, with a real person beside you.
- 1
Talk it through
A licensed advisor reviews your current coverage and what you want a plan to do.
- 2
Choose a plan
Pick the benefit schedule that fits — supplemental or expanded fixed-benefit.
- 3
Apply
Complete a short application. Eligibility and availability vary by state.
- 4
File a claim
After a covered event, submit a claim and receive the scheduled cash benefit.
Transparent comparison
Compare the four plans.
Exact benefit amounts, limits, and pricing depend on your state and the plan schedule. Your advisor will share the official documents before you apply.
| Feature | Classic | Classic Plus | Elite | Elite Plus |
|---|---|---|---|---|
| Plan type | Supplemental fixed-indemnity | Supplemental fixed-indemnity | Expanded fixed-indemnity | Expanded fixed-indemnity |
| Designed to pair with other coverage | Yes | Yes | Recommended | Recommended |
| Relative benefit schedule | Base | Higher | Broader | Broadest |
Swipe the table to see all plans →
For small businesses
A benefit your team can actually understand.
Offer fixed-benefit protection as part of your employee benefits package. Group options can complement an existing health plan, with clear schedules employees can read in minutes.
- — Group plan options for small employers
- — Simple enrollment guided by a licensed advisor
- — Clear communication materials for employees
Questions
Straight answers.
Can I get major medical coverage through CashShield Health?+
Yes. We also offer Marketplace-based major medical plans. A licensed advisor can help you compare comprehensive coverage with Classic, Classic Plus, Elite, and Elite Plus, which pay scheduled cash benefits rather than providing major medical coverage.
How are benefits paid?+
When you have a covered event, the plan pays the fixed dollar amount listed in your benefit schedule. Payments generally go directly to you unless you assign them to a provider.
Will the benefit cover my whole bill?+
Not necessarily. Fixed amounts are set in advance and may be less than the actual cost of care. You remain responsible for any remaining charges.
What is the difference between Classic and Elite?+
Classic and Classic Plus are designed to supplement existing coverage. Elite and Elite Plus offer a broader, higher fixed-benefit schedule — but they remain limited-benefit plans.
Are plans available in my state?+
Availability, benefits, and pricing vary by state. A licensed advisor can confirm what is offered where you live.
Are pre-existing conditions covered?+
Limited-benefit plans may include waiting periods or exclusions for pre-existing conditions. Review the plan documents for full details.
Talk with a licensed advisor before you decide.
No-pressure review of your current coverage, fixed-benefit plans, and Marketplace major medical options.
Schedule a consultation