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Family Portrait

Indemnity Benefits Plan vs. ACA Insurance

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What is the Affordable Care Act?

The Affordable Care Act (ACA) provides coverage to individuals and families who do not have access to employer-sponsored insurance and/or are not eligible for government programs.

These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more.

What is an Indemnity Plan?

Indemnity Plans pay set-dollar amounts for care, no matter what the provider charges. If the cost for care is less than the indemnity benefit, insureds keep any difference. Subsequently, if the cost for care is more than the Indemnity benefit, insureds are responsible for any remaining costs.

Affordable Care Act
Plan

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Estimated Costs

  • Families may receive subsidies to be able to afford health insurance  

  • ACA Plan could be costly without subsidies

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Individual Owned

  • The Health Insurance policy is owned by the individual policyholder or family

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Transparency

  • Copays, Deductibles, and Co-Insurance

  • Coverage Follows the Individual when Job/Employer Changes – NO COBRA 

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Consumer Choice

  • Insurance Companies Use Multiple Networks

  • Limiting Network Access Control Costs

  • Concealing True Procedure Cost

Indemnity Benfits Plan

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Estimated Costs

  • Underwriting & Benefit Options Result in Big Savings Customized Benefits

  • Reward Medical Price Shopping

  • Save 25-50% Versus ACA Plans

 

Individually Owned

  • Insured Controls the Policy.

  • Insured Decides if and when to Change or Modify Plan

  • No copays, No Deductibles to meet, and No Co-Insurance

  • Coverage Follows the Individual when Job/Employer Changes – NO COBRA

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Transparency

  • Benefits Paid by Defined Schedule Clarify Codes CPT: Current Procedural Terminology RBRVS: Resource Based Relative Value Scale

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Consumer Choice

  • Insured Chooses which Health Provider is Best.

  • No Network Restrictions. Licensed Doctors and Hospitals in all 50 States

Indemnity Plan Sample Rates*

Individual Coverage

$360 Monthly

Age 40 - Non-Smoker

Individual & Children Coverage

$485 Monthly

1 Adult age 40 & 2 Kids

Individual & Spouse Coverage

$600 Monthly

2 Adults age 40

Family
Coverage

$800 Monthly

2 Adult age 40 & 2 Kids

*The rates provided are generalized example of Indemnity Plus Plan rates and are not to be assumed accurate until quoted by a licensed agent within your state.

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