Fixed-Benefit Medical

Affordable access to health care with set, first-dollar benefits

Time to rethink health insurance

National General Foundation Health

Let’s face it — most medical insurance plans cost a lot. Then, you end up paying for benefits you don’t use, and high deductibles and copays make it difficult for your plan to pay any benefits. Something needs to change.

Try National General Foundation Health

Our plan gives you a more affordable and predictable way to get the health care you need. By paying set dollar
amounts when you receive covered health care services, you don’t have to worry about deductibles or copays. You
get the care you need, and we help you pay for it.

National General Foundation Health Provides:

Discounts on covered health care services when you visit network
providers

Affordable access to
health care with easy-to-use benefits and no waiting period

Set dollar amounts that help you pay for office visits, hospital
stays, lab work and more

First-dollar benefits with no deductible or copay to satisfy

Access to telemedicine services and WellCard discounts on prescriptions, vitamins and more with a L.I.F.E. Association Membership³

Using this plan is easy

Simply present your insurance card to the person checking you in. Your health care provider will let us know which health care services you received - no need to submit any .

This plan gives you access to the MultiPlan Network — a network of health care providers who’ve agreed to give you significant discounts on health care services. Visit providers in the MultiPlan Network to save more on health care.

After the network discount and plan benefits reduce your bill, it's up to you to cover the remaining amount.

How do the first-dollar benefits work? Lets do some math.

What if your doctor says you need to get your appendix removed? Here's how National General Foundation Health would help you pay for your appendectomy when you visit a network provider.

Overnight stay for an appendectomy

  • HOSPITAL FEE:

    $5,784

  • SURGEON FEE:

    $1,586

  • ANESTHESIA FEE:

    $908

  • TOTAL HOSPITAL CHARGES:¹

    $8,278

Plan benefits and network discount

  • NETWORK DISCOUNT:²

    -$1,453

  • SURGEON BENEFIT:

    -$2,000

  • HOSPITAL ADMISSION BENEFIT (1STvisit):

    -$500

  • HOSPITAL CONFINEMENT BENEFIT:

    $2,000

  • TOTAL COST TO YOU:

    $2,325

In this example, your plan, along with your network discount, would cover 72% of your appendectomy cost³

THIS PLAN PROVIDES LIMITED BENEFITS. National General Foundation Health plans are fixed-indemnity insurance plans that pay limited benefits. National General Foundation Health plans do not constitute comprehensive health insurance coverage (often referred to as major medical coverage) and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Without minimum essential coverage, you may need to pay a tax penalty, depending on your income level and the cost of insurance plans available.
¹Total Hospital Charge number based on data cited from: How Much Does A Tonsillectomy Cost? (n.d.). Retrieved December 30, 2016, from http://www.costevaluation.com/how-much-does-a-tonsillectomy-cost/
² Not an actual case. Presented for illustration only. Cost of services will vary.
³L.I.F.E. Association not available in Wisconsin.