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PremierAdvantage -
Fixed Indemnity PPO

The PremierAdvantage Fixed Indemnity Plans provide first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred. Plus, you can buy more coverage if you need it, through PremierMed without additional underwriting!

The PremierAdvantage Difference

  • 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
  • Automatically Locks in Your rates for 24 months at no extra charge! 3

24-hours-support 24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.

pair-of-bills Each plan pays in addition to any coverage You have in force.

doctor Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.


1 PremierAdvantage Fixed Indemnity Plans Optional Wellness and Health Screening Fixed Indemnity Benefits & Guaranteed Insurability under Option Short Term Medical-Surgical Plan Rider (available for an additional premium).
2 The ACA generally required individuals to maintain “minimum essential coverage" or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The PremierAdvantage Fixed Indemnity Plan provides benefits for covered medical services but are neither traditional major medical plans nor Workers Compensation plans under state law. The PremierAdvantage Fixed Indemnity Plan is considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA.
3 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.
PremierAdvantage is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, waiting periods, and exclusions may apply.