Network vs. fixed indemnity plan
| Feature | First Health PPO network | First Health fixed indemnity plan |
|---|---|---|
| What it is | A national network of contracted doctors and hospitals | A plan that pays fixed cash benefits |
| What it decides | Whether a provider is in-network | How much cash is paid for each covered event |
| Learn more | First Health PPO network | This page |
The Allstate fixed indemnity plans we place use First Health's Limited Benefit Plan network, not the PPO network on that other page. Members look up those providers at firsthealthlbp.com. According to Allstate, those plans pay the same dollar amount in or out of network; the network is for discounts on remaining costs, not a different in-network benefit.
How First Health fixed indemnity benefits work
A fixed indemnity plan pays a set dollar amount for a covered service or event listed in the plan documents. The payment doesn't change based on what the provider bills, so you know exactly what you'll receive for each covered event.
Where we place First Health fixed indemnity plans
- Allstate fixed indemnity plans that use First Health's Limited Benefit Plan network.
Benefits, limits and prices depend on the plan and your state. We review the plan documents with you before you apply.
Why people choose these plans
| What you get |
|---|
| Allstate plans use First Health's Limited Benefit Plan network and pay the same amount in or out of network |
| Year-round applications where sold |
Who it fits
People who want predictable fixed cash benefits and First Health network access.
Get a First Health fixed indemnity quote. Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) or Get your free quote in about a minute. We never charge you a fee for our help.
Comparing fixed indemnity plans from more than one carrier? See fixed indemnity health insurance.
Frequently asked questions
How does First Health fixed indemnity pay?
Fixed indemnity plans pay set cash benefits for covered events, the same amount in or out of network, so you know up front what the plan pays.
Is First Health a network or an insurance plan?
First Health is a network company, not the insurer. It operates more than one network, including a PPO network and a Limited Benefit Plan network. The Allstate fixed indemnity plans we place use the Limited Benefit Plan network and pay the same dollar amount in or out of network. The plan sets the benefits.
Who offers First Health fixed indemnity plans?
We place fixed indemnity plans that use the First Health network through Allstate. Availability varies by state.
For cash benefits focused on hospital stays, compare hospital indemnity insurance and UnitedHealthOne Health ProtectorGuard.
Related guides
Sources (checked November 4, 2026)
- NAIC — State insurance department directory
Plan availability and eligibility are determined by the carrier.