Our Fixed Indemnity provides non-ACA health insurance, designed to fill coverage gaps and protect against accident and sickness or accident only, with customized coverage to fit within your budget.
Starting with the core Hospital Indemnity benefit, employers
can package up to 30+ benefit options, covering the following benefit
categories: hospital confinement, surgery, additional care, medical
professional care, medical care facility confinement, and newborn indemnity. In
addition, there are up to 9 optional benefit riders, including: AD&D, AME,
cancer, CI, and more.
Everest recognizes it isn’t just our broker partners we’re
serving, it’s also your clients and their employees. As we build and innovate
upon our products, services, and resources, we keep a sharp focus on each
customer group. Whether you’re an employer in search of ways to enhance your
current benefits offerings, or an advisor interested in selling innovative and
high-quality workplace benefits solutions, we want to hear from you.
Product features designed to provide solutions for a diverse range of employer groups
Coverage is issued on a guaranteed issue (or conditional issue) basis
Composite rates
Dependent only coverage is available if: employee only coverage is offered, or dependents secured subsidized ACA coverage and need supplemental 1st dollar coverage due to high deductibles
Coverage for a diverse range of employer groups and life segments
Bridging the healthcare coverage gap for:
Non-Coordinated Deductible Relief for groups with high deductible medical plans
Provides gap coverage by combining a range of specialty benefits available: initial treatment only, surgery coverage (in and out-patient), supplemental care, newborn or child related benefits (wellness, preventative, vaccinations, etc.)
Stand-alone* benefit options available (*Looks like a stand-alone product but includes a base Daily Hospital Confinement Benefit).
Hospital indemnity, cancer, critical illness, accident medical expense (% of reimbursement), accidental death and dismemberment
We offer flexibility in identifying and determining benefit levels for desired benefits; we recognize our customers are not all identical
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