Marketplace Insurance

Limited Fixed Benefit Health Insurance Plans

Limited Fixed Benefit Insurance plans are designed for individuals and families seeking affordable coverage for specific medical services, offering flexibility, quick coverage, and peace of mind against unexpected healthcare expenses.

  • 5min Call
  • Simple Online Form
  • Instant Digital Card
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What is Limited Fixed Benefit Insurance?

Limited Fixed Benefit Insurance plans are a type of health insurance that provide coverage for specific services or benefits, such as hospitalization, surgery, or critical illness, at a predetermined fixed amount. These plans are typically more affordable compared to comprehensive major medical plans and are designed to protect against unexpected medical expenses while offering flexibility in coverage options. They are suitable for individuals and families who are looking for targeted coverage for their immediate healthcare needs within a budget.

These plans can also be a great option for self-employed individuals or small business owners who need cost-effective health insurance. For similar reasons, it can be a popular option for recent graduates or young professionals who do not have access to employer-insurance yet.

We’re making insurance surprisingly painless

While the insurance marketplace is open for anyone to enroll, it can be a confusing and intimidating landscape to navigate. Moreover, the marketplace shifts every year due to government and policy changes.

From choosing the right coverage to dealing with subsidies and claims, it can be a headache if you don’t have an expert by your side.

Ready to get started?

It might sound overwhelming, but American Health Plans can find you the perfect plan and have you insured within five minutes of speaking to an insurance agent.

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Why Choose American Health Plans?

American Health Plans Limited fixed benefit plans are designed to be cost-effective, making quality health insurance accessible to those on a budget. Our plans provide coverage for specific services such as hospitalization, surgery, and critical illness, giving you targeted protection for your most pressing healthcare needs. Choose from a variety of coverage levels and benefit options to customize a plan that meets your unique needs and budget.

Our enrollment process is simple and hassle-free, allowing you to get coverage quickly, without the need for lengthy underwriting or waiting periods. Some of our plans may also include value-added benefits such as telemedicine services, prescription drug coverage, and wellness programs to support your overall health and well-being. With Limited Fixed Benefit Insurance, you can have peace of mind knowing that you have coverage in place to help protect you from unexpected medical expenses, providing a safety net for you and your loved ones.

Don’t let unexpected medical expenses catch you off guard! Get the coverage you need with our Limited Fixed Benefit Insurance plans today.

A Short Phone Call

Through a few simple questions over the phone, our insurance agents will find 80 to 100 plans that fit your requirements and budget.

The Ideal Plan For You

The intended use of your insurance, any prescriptions needed, or whether you see a family doctor or specialist are all determining factors when finding the ideal plan for you.

Instant Digital Card

Instead of waiting weeks for your card to arrive, you are immediately emailed your insurance card, brochures, and any other vital information related to your new insurance plan.

Your Own Insurance Agent

Our service does not stop once you are enrolled! You will continue to have access to your own insurance agent for any questions, issues, or claims.

Sign Up for Limited Fixed Benefit Insurance Today!

Don’t wait! Protect yourself and your loved ones with our Limited Fixed Benefit Insurance plans. Enrolling is easy – simply fill out our online application or give us a call to speak with one of our friendly insurance specialists. Take control of your healthcare costs and secure your financial well-being with our affordable and flexible Limited Fixed Benefit Insurance plans. Contact us now to get started!

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* By providing your contact information above, you consent to be contacted by an independent agent of American Health Plans for the purpose of offering and selling insurance products to you. Such agent may contact you via an autodialer, pre-recorded messages, or email. Your consent to this communication is not a condition of the receipt of any goods or services.

This website is operated by American Health Plans and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all Qualified Health Plans available through HealthCare.gov. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov. Not intended for those eligible for Medicare. You need to be lawfully present in the United States and reside in the plan service area to qualify for medical coverage and/or subsidies. These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued.

This is a solicitation of insurance. A licensed agent/producer may contact you. Coverage, products, and features may not be available in all states, may vary by state, and will vary by policy.  Rates may be higher due to tobacco use. Your rate and availability for this product will be subject to underwriting. Policies contain specific limitations, exclusions, termination provisions, and requirements for keeping them in force. Please see your policy or contact the insurance company for full details. Approval is based on your answers to the questions on the application and information obtained from other sources. All guarantees are based on the claims paying ability of the life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.

This is not a Long-Term Care policy.  This policy may not cover all of your medical or health care expenses.  This policy should not be purchased as a substitute for major medical coverage, Medicare, Medicare Supplement, or Medicare related health plans. Premiums may increase upon renewal.

This policy may not cover all costs associated with short term recovery care incurred by you during the period of care.  Increase in health care costs may reduce the value of this policy between the purchase date and the date you become eligible for benefits.

A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

In California American Health Plans does business as JKAR Insurance Agency, License Number OH40207