Hospital Indemnity Plans
Unfortunately, long hospital stays are many times a reality for senior citizens. Adding to the problem are the high costs that come along with these hospital visits – they can often leave people in financial ruin. Luckily, you can protect yourself against rising medical costs with hospital indemnity plans. These policies help offset the costs of medical care and help you attain the coverage you need to prolong your life. In fact, the benefits of these policies include:
- Works well with Medicare Advantage Plans
- Options for pricing from $100 to $600 per day
- 3, 6, 10 or 21-day stays
- Benefit regenerates after 60 consecutive hospital-free days
- Various riders are available
- Dental and vision coverage available
- Ambulance benefits
- Cancer plans and more…
Current Available Riders
Check with your state specific documents for rider availability and benefits. Not all riders or benefits are the same or available in all states.
- Ambulance Rider: up to $250 per trip 4 x per year (no confinement)
- Skilled Nursing Rider: Days 1-50 ($100, $150, $200)
- Lump Sum Hospital Rider: $250, $500, $750
- Outpatient Surgery Rider: $250, $500, $750, $1,000
Check with your state specific documents for rider availability and benefits. Not all riders or benefits are the same or available in all states.
**Short Term Home Health Care is not available in all states.**
First-Diagnosis Cancer Plans
The aspect of a cancer diagnosis is absolutely frightening and means that your life will completely change. However, you don’t have to feel like your back is up against the wall. With cancer plans, you can help offset the costs of cancer treatments and prescription drugs. If you’re living with a high-risk of cancer or cancer runs in your family, be sure to contact our staff to talk about the benefits of these plans such as:
- Affordable plans cost about $20 - $40 per month
- Helps pay out-of-pocket costs, co-pays, co-insurance, and deductibles.
- Offsets costs not covered by traditional Medicare
- Coverage for out-of-network care
- Coverage for other cancer-related costs (some transportation, bills, and more. Ask our staff about additional expenses these plans cover).
