Traditional major medical plans, like what is available under the ACA, often come with high yearly deductibles and coinsurance that you must pay before the insurance pays anything. Fixed Benefit plans are different. At North American Health Plans, many of our fixed benefit plans have NO deductible, and others have deductibles that only apply to inpatient hospital stays.

Indemnity health plans are intended to give you great freedom when choosing health care providers and facilities. If you choose an indemnity health plan through North American Health plans, you will be able to see any provider and use any facility for covered services. You don’t need referrals to see specialists. Plans pay a fixed amount regardless of the cost. Most plans have a one-year wait for pre-existing conditions.