It sounds to me like you have Fixed-Benefit Medical Indemnity Insurance.  

 

<p style="color:rgb(51,51,51);font-family:Georgia, 'Times New Roman', Times, serif;font-size:16px;">Fixed benefit health insurance, or indemnity insurance, is not ObamaCare compliant and is not the same as major medical plans sold on the marketplace. Fixed benefit plans are sold by private companies and pay a specific amount each time you see a doctor or go to a hospital. The ACA is trying to take these plans off the market as they do not meet the standards of minimum essential coverage.

<p class="" style="color:rgb(51,51,51);font-family:Georgia, 'Times New Roman', Times, serif;font-size:16px;">Fixed benefit plans were popular in the past due to their cheap overhead, however a fixed benefit plan is a big gamble as it could leave you with major medical costs out of pocket in a worse case scenario. Still many are choosing fixed benefit plans to supplement their current plans or are holding on-top their plans due to grandfathered status obtained before the law went into place.

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