Extra Coverage for Life’s Unpredictable Mishaps
No Calendar Year Deductibles to Satisfy! You receive “first dollar” benefit payments under each of the PremierAdvantage Fixed Indemnity Plans without first having to satisfy any calendar year deductible, which is different from ACA essential health benefit plans and many other plans that require the Insured to first satisfy a calendar year deductible for network providers, and a separate calendar year deductible for non-network providers, before applicable medical expenses are eligible for payment.
You may choose Any Doctor and Any Hospital! The PremierAdvantage Fixed Indemnity Plans pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network. But you can stretch your dollars further by choosing an In-Network Provider.
The PremierAdvantage Fixed Indemnity Plans with the Optional Well-GIST Rider1 are not ACA essential health benefits plans.1 However, while these are in full force and effect, You have the right to purchase additional coverage under Our PremierMed Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage". 2
