Insurance companies offer fixed benefit amounts and first dollar benefits. This product pays you a specific dollar amount you can sign over to the healthcare provider and the network discount is applied. An example would be a doctor visit without insurance costs $150. The network discount is applied to bring that to $75. Your fixed benefit plan pays $50 for a doctor visit. You can file the claim yourself and receive the money, or you can sign over the benefit to the office and pay the difference of $25