Accident, sickness, and hospital plans are designed for individuals who want greater flexibility in managing their healthcare. These plans allow you to choose where and from whom you receive care, while the insurance provider pays a defined portion of eligible medical expenses.
Often referred to as fee-for-service plans, this type of coverage can be an effective alternative for those seeking immediate coverage and guaranteed acceptance.
At Affirm Health Group, we help individuals and families navigate health insurance with confidence. As an independent health insurance advisory group, we provide access to a wide range of coverage options while delivering personalized guidance and dependable support from start to finish. Our goal is simple: make healthcare coverage easier, clearer, and more accessible—while delivering an exceptional customer experience every step of the way.
This type of insurance provides coverage for medical services related to accidents, illnesses, and hospital care. You are free to visit most doctors, specialists, and hospitals without network restrictions, and benefits are typically paid based on a set percentage of eligible charges.
With this coverage, you may:
Visit doctors or specialists without referrals
Choose your own providers without designating a primary care physician
Receive coverage starting immediately upon plan activation in many cases
Submit claims for reimbursement, depending on the plan design
Some plans may require you to pay for services upfront and then file a claim for reimbursement. In most cases, benefits are paid from the first covered service, though certain plans may include limited deductibles for specific services.
Our licensed advisors at Affirm Health Group can help you decide if this coverage aligns with your healthcare needs and financial goals.
Your health—and the well-being of the people you love—deserves reliable coverage you can count on. At Affirm Health Group, we help individuals and families find affordable health insurance options that provide real protection and peace of mind.
