Fixed Benefit Medical Insurance

No-Deductible Defined Benefit Medical Insurance as an Alternative to an Obamacare Plan

Many people didn’t get or can’t get an Obamacare plan, for a variety of reasons, or they didn’t keep the plan they signed up for.

Does that describe you?

You don’t have to be without protection. 

Getting insurance is about finding a balance between coverage that lets you sleep well at night and premiums that let you eat during the day.

To speak directly to an agent: Call 503-828-1970 

 Comparison Quoting from All Fixed Benefit Carriers 

Other Obamacare Alternatives Go Here

Defined Benefit Medical Insurance 

  • 50% less expensive than Major Medical, making it easier to afford coverage
  • Access to affordable healthcare, including docotr visits, prescriptions, preventive care, immunizations, and hospitalization
  • Quick and easy application with immediate answers
  • Immediate access to download & print ID cards and plan documents
  • Plans Backed by Best-in-class ‘A’ Rated Carriers
  • Covered benefits are paid the same way whether in or outside the broad and highly accessible provider network

Portland Benefits Group recommends Assurant as our primary Defined Benefit medical carrier due to their combination of a very high reputation and low rates. Click the banner below to view quotes from Assurant Health. Click the link below that to see quotes from everyone.

To speak directly to an agent: Call 503-828-1970 

 Comparison Quoting from All Fixed Benefit Carriers 

A fresh take on health insurance

This affordable health plan is available throughout the year, has no deductible to meet and these plans pay set cash benefits to help with everyday medical expenses and more, regardless of the actual cost of the services.1

No deductible:
You’ll get immediate benefits without having to worry about meeting a deductible.*

Coverage that you’ll use:
This plan provides a set cash amount to help with medical expenses like doctor visits, urgent care, x-rays, prescriptions* and hospital expenses.

*Prescription coverage varies by plan.

Plan pays, then you pay: 
After the plan pays a set benefit, you’ll be responsible for the difference between what the provider charges and the plan benefit.


To speak directly to an agent: Call 503-828-1970 

 Comparison Quoting from All Fixed Benefit Carriers 

Affordable access to the health care system

Affordability is more than a low monthly premium. With Assurant Health Access, you won’t have to pay a deductible and you can take advantage of:

Discounts when you use network providers, retail
clinics or need prescriptions

Tools to help you check prices before you see a provider

Advocates to help you with balances you may owe

Confidence to make an informed decision

With Fixed-Benefit insurance, you can check the cost of common medical services and see how much your plan will pay before you make the appointment. Take control of your medical expenses — don’t spend a penny more than you need to.

Learn how this plan gives you confidence

More for your money

In addition to knowing what you’ll pay, this plan also includes unique features that provide additional savings when you use preferred doctors and hospitals, built-in discounts and advocates that can help you with larger balances.

Learn how this plan can help you save



To speak directly to an agent: Call 503-828-1970 

 Comparison Quoting from All Fixed Benefit Carriers 

Plan Limitations and Exclusions

Fixed Benefit plans are indemnity plans with limited benefits. These plans include limitations and exclusions, including pre-existing condition limitations.

See the general summary of plan limitations and exclusions for more information. If you live in Arizona, see Arizona-specific plan limitations and exclusions.

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or call 503-828-1970 to speak to a Portland Benefits Group Agent

To speak directly to an agent: Call 503-828-1970 

 Comparison Quoting from All Fixed Benefit Carriers 

Health Care Reform Impacts

These plans do not meet Minimum Essential Coverage requirements and you may need to pay a tax penalty depending upon your income level and the cost of plans available.

For those who are not exempt from the tax penalty, it will be the greater of $95 per individual ($285 for a family), or one percent of your income, for 2014. See if a tax penalty applies to your situation.

These plans are available throughout the year and are not subject to an open enrollment period.

PDX metro area:

Beaverton, Clackamas, Gresham, Hillsboro, Lake Oswego, Milwaukee, Oregon City, Portland, Tigard, Tualatin, West Linn, Wilsonville

Surrounding area: Banks, Barlow, Camas, Canby, Clatskanie, Coumbia City, Cornelius, Forest Grove, Gaston, Happy Valley, Marquam, McMinnville, Molalla, North Plains, Raineer, Sandy, Scapoose, St. Helens, Troutdale, Vernonia

Willamette Valley Area:

Albany, Alsea, Amity, Aurora, Aumsville, Aurora, Brownsville, Brooks, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

Southern Oregon:

Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla 

Oregon Coast Area:

Astoria, Lincoln City, Newport, Bay City, Beaver, Cannon Beach, Depoe Bay, Dunes City, Florence, Garibaldi, Gearhart, Gleneden Beach, Hebo, , Manzanita, Neahkahnie, Nehalem Mapleton, North Coast Otter Rock,Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler Central Coast  Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats South Coast Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach, Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn

Oregon Area:

CITIES: Adel, Adrian, Brightwood, Burns, Camp Sherman, Cascade Locks, Cascadia, Chemult, Chiloquin, Crescent, Crescent Lake, Detroit, Diamond, Diamond Lake, Drew, Drewsey,Estacada, Frenchglen, Fort Klamath, Gates, Gilchrist, Government Camp, Hines, Idanha, Jordan Valley, Juntura, Klamath Agency, Lakeview, McKenzie Bridge, Mill City, North Umpqua, Nyssa, Oakridge, Ontario, Plush, Prospect, Rhododendron, Sandy, Warm Springs, Welches, Westfir, Zigzag AREAS: Crater Lake National Park, Deshutes National Forest, Fremont National Forest, Mount Hood National Forest, Rogue River National Forest, The Three Sisters, Umpqua National Forest, Vale Willamette National Forest, Winema National Forest

Central Oregon Areas: 

Antelope, Arlington, Bend, Brothers, Condon, Culver, Dufur, Fossil, Grass Valley, Hampton, La Pine, Lonerock, Madras, Maupin, Metolius, Mitchell, Moro, Mosier, Paulina, Post, Prineville, Redmond, Rowena, Rufus, Shaniko, Spray, Sisters, Sunriver, The Dalles, Wasco

North-east Oregon service area: 

Adams, Arlington, Athena, Baker City, Boardman, Canyon City, Condon, Cove, Dayville, Echo, Elgin, Enterprise, Fossil, Greenhorn, Haines, Halfway, Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day, Joseph, La Grande, Lexington, Long Creek, Lostine, Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow, Pendleton, Pilot Rock, Prairie City, Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity, Wallowa, Weston AREAS:  Hell’s Canyon