Fixed Indemnity Plans

Benefits in a Card offers three levels of fixed indemnity plans for our clients: Basic, Enhanced, and Premier. Our fixed indemnity plans provide first-dollar coverage towards indemnity services with no deductibles or copayments.

Why Choose Us?


The concept of indemnity plans are all essentially the same, but how a plan is implemented and managed makes all the difference in the world. And at Benefits in a Card, our true strength is in our best-in-class customer care and in that you get access to other non-indemnity benefits (dental, vision, term life, short-term disability, accident, and critical illness) on an individual and standalone basis. This allows you to provide your employees with the flexibility to choose a benefits plan that is best for them without making elections for coverage they might not need. 

Our Fixed Indemnity Plans At A Glance

Administered weekly vs. monthly

Aggregated weekly vs. monthly

All of Benefits in a Card’s plans are aggregated on a weekly basis to meet the unique needs of the staffing industry. Some providers vary in how their plans are aggregated. If a plan is aggregated monthly, it can result in your employees needing to provide an alternative payment method, which will ultimately discourage participation.

Choose from three levels of indemnity plan

Benefits in a Card offers three levels of indemnity plan: Basic, Enhanced, and Premier. Each higher level provides an increased first-dollar coverage amount for your employees. You also have flexibility in which level(s) you offer. Some clients choose to offer only one indemnity offering; others offer all three. Ultimately, you can choose the plan, or plans, that best fit your particular company. 

Best-in-class customer care

Benefits in a Card boasts a 23-year legacy of compassionate and caring service to all of our customers. All of our customer care representatives are bilingual and certified insurance agents. As such, they are able to provide consulting and guidance to your employees as they choose the best benefits offerings for their particular needs. Also, when your employees call our Customer Care Center, we immediately and directly connect them to a live representative.

Access to non-indemnity benefits a la carte

Many providers require you to enroll in their indemnity plans in order to access other non-indemnity benefits, such as dental, vision, and term life insurance. Not with us! The true beauty of Benefits in a Card is that you are empowered to assemble competitive benefits packages for your employees that are affordable and that can be tailored to their particular needs.

Do Our Products Work? Find out from our clients.

Quality Personnel is a happy and loyal customer of Benefits in a Card and have been for many years . . .. We have had 0 complaints from anyone in all 6 locations. That tells me a lot!!

Quality Personnel

Do Our Products Work? Find out from our clients.

We have been doing business with Benefits in a Card for over 5 years, and outstanding customer service and providing real world solutions has been the cornerstone of our relationship.  

Greg Wilson, Benefit Resources

Do Our Products Work? Find out from our clients.

Since the inception of our relationship in 2002, Benefits In A Card has provided affordable health insurance solutions for our temporary employees. Helping us to retain these employees, who are the foundation of our success, has been the key to our rewarding association. Benefits In A Card continues to be an industry leader with their expert level of personal service and innovation. We value our partnership and appreciate the excellent service extended to us and our employees.

Michael R. Epstein, President and CEO, CoWorx Staffing Services LLC

Do Our Products Work? Find out from our clients.

Just wanted to take a moment to let you know, how appreciative I am to have a company that does such a tremendous job at servicing my client! I lost a rather large client this past January, to no fault of either Benefits in a Card or my agency, and they have already called back (within 2 months) expressing a desire to move back to Benefits in a Card! According to their testimony, the service/administration of the competitor was simply not comparable to their experiences with Benefits in a Card. We now have got our client back and I owe that, almost entirely, to the folks at Benefits in a Card. I look forward to partnering with Benefits in a Card with all my clients that find themselves in need of a competitively priced well-serviced, MEC program!

Darin E. Stanfield, Nelson Insurance Agency, Inc.

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