Fixed-Payment Medical and Supplemental Coverage

Cost-effective coverage you can use right away.

Select Benefits is a suite of fixed-payment medical insurance policies designed to help reduce your out-of-pocket costs for covered medical events. It pays a fixed amount for a covered service without any co-pays or deductibles, and regardless of any other insurance coverage you might have. Select Benefits is not a major medical policy, and will not cover the majority of expenses related to serious health and medical issues.


  1. Pre-existing conditions are covered immediately.
  2. You can see the provider of your choice—no required networks.
  3. No medical underwriting, except for late entrants on life and disability income.
  4. No deductibles or co-pays on covered benefits.
  5. Benefits are paid regardless of any other insurance coverage you have.


All claims and administration are handled by our in-house team at Symetra Select Benefits. Dedicated exclusively to Select Benefits policies, they're available to provide you with the guidance and resources you need to make the most of your benefits. They can assist you with enrollment, claims, billing and more. Please feel free to contact them with any questions or concerns you may have.


With Select Benefits, using your coverage is straightforward. Once enrolled, you'll receive your Select Benefits ID card in the mail. From then, you may file a claim yourself or ask your provider to file one instead. For more information, check out our “How to File a Claim” flyer.

To learn more about Select Benefits, or for help filing a claim, contact Symetra Select Benefits at or by calling 1-800-497-3699.


Select Benefits insurance policies are not a replacement for a major medical policy or other comprehensive coverage. They are designed to provide benefits at a preselected, fixed-dollar amount. Coverage may be subject to exclusions, limitations, reductions, and termination of benefit provisions. Select Benefits policies are insured by Symetra Life Insurance Company located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.


For help filing a claim, contact Symetra Select Benefits at 1-800-497-3699 or

Customer service representatives are available Monday through Friday, 6:30 a.m. to 5:00 p.m., Central Time.