Philadelphia Life: Understanding Indemnity Health Insurance

Philadelphia American Life offers Fixed Benefit health insurance plans in 33 states. Unlike major medical plans, these have no annual deductibles or coinsurance, and you receive a fixed payment from the insurance company for every covered health care service. The amount of each payment depends on the coverage level you choose and the type of health care service you receive. The lifetime maximum benefit is $2,000,000, and you can choose a calendar year maximum benefit of $250,000 or $500,000. The Catastrophic Accident Expense plan is available in several states, and you can include from $10,000 to $50,000 per adult and $10,000 per child in lump sum coverage for a covered critical illness.

Philadelphia Indemnity Insurance Company underwrites all Allied Health and Mental Health policies and Special Event policies purchased through CPH Insurance

Philadelphia Indemnity Insurance Company is proud to be “A++ rated” for financial strength by the A.M. Best Company. This is one of the highest achievements in the industry and signifies the company's ability to meet its ongoing insurance policy and contract obligations.

Philadelphia American Life offers Fixed Benefit health plans in 33 states. Unlike major medical plans, these have no annual deductibles and coinsurance that you have to pay before the insurance begins paying. With a Fixed Benefit plan, you receive a “fixed” payment from the insurance company for every covered health care service. The amount of each payment depends on the coverage level you choose and the type of health care service you receive. The lifetime maximum benefit is $2,000,000. You can choose a calendar year maximum benefit of $250,000 or $500,000. You can also choose a calendar year deductible of $25,000, $50,000, $75,000 or $100,000.

Philadelphia American Life offers Fixed Benefit health plans in 33 states

The lifetime maximum benefit is $2,000,000, and you can choose a calendar year maximum benefit of $250,000 or $500,000. You can also choose a calendar year deductible of $25,000, $50,000, $75,000 or $100,000. The Catastrophic Accident Expense plan is available in the following states: AL, AR, AZ, DE, GA, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, NE, NV, OK, SC, SD, TX, WI, and WY. You can include from $10,000 to $50,000 per adult and $10,000 per child in lump sum coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, or stroke.

Philadelphia American Life health insurance plans are available with a deductible that ONLY applies to inpatient hospital stays

Philadelphia American Life offers fixed benefit health plans in 33 states. The availability of each plan varies by state. Fixed benefit plans work differently than traditional major medical plans. With a fixed benefit plan, you do not have to pay an annual deductible or coinsurance before the insurance begins paying. This means that you are well protected against the high costs of treatment.

Philadelphia American Life health insurance plans offer a lifetime maximum benefit of $2,000,000

The amount of each payment depends on the coverage level you choose and the type of health care service you receive. You can also choose a calendar year maximum benefit of $250,000 or $500,000, and a calendar year deductible of $25,000, $50,000, $75,000 or $100,000.

Philadelphia American Life health insurance plans are available in 33 states, although the availability of each plan varies by state.

Philadelphia American Life health insurance plans are available in the following states: AL, AR, AZ, DE, GA, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, NE, NV, OK, SC, SD, TX, WI, WY

Philadelphia American Life offers Fixed Benefit health plans in 33 states. Unlike major medical plans, which often have high annual deductibles and coinsurance, Philadelphia American Life's plans have no deductible, or deductibles that only apply to inpatient hospital stays. With a Fixed Benefit plan, you receive a fixed payment from the insurance company for every covered health care service. The amount of each payment depends on the coverage level you choose and the type of health care service you receive.

The Catastrophic Accident Expense plan is available in the following states: AL, AR, AZ, DE, GA, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, NE, NV, OK, SC, SD, TX, WI, WY. You can include from $10,000 to $50,000 per adult and $10,000 per child in lump sum coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, stroke, etc.

The lifetime maximum benefit is $2,000,000. You can choose a calendar year maximum benefit of $250,000 or $500,000. You can also choose a calendar year deductible of $25,000, $50,000, $75,000 or $100,000.

Philadelphia Indemnity Insurance Company is a publicly traded company rated A++ (“Superior”) for financial strength by AM Best and Co. This rating is assigned to those companies that are determined to have a “superior ability to meet their ongoing obligations to policyholders”.

Frequently asked questions