Hospital Indemnity Hospital Insurance
These plans pay you benefits when you are confined to a hospital, where for planned or unplanned reasons, or for other medical services, depending on the policy.
Get help to Pay
These plans are specifically designed to help you fill gaps in your Medicare Advantage coverage, as well as, ACA Marketplace Exchange plans for people under age 65.
Hospital Indemnity Insurance
Hospital Idemnity insurance, also called hospitalization insurance, or, just plain, hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.
What exactly does a plan do?
These plans are designed to help you fill gaps in your Medicare Advantage coverage by providing cash to help cover copays, coinsurance, deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.
Why hospital indemnity?
Hospital stays can strain even the healthiest of budgets. And in many cases, you can't ignore the care you need even if it creates a financial burden. Hospital Indemnity insurance plans provide payment for each day spent in the hospital and for some other qualified expenses, as well. That's money you can use as you choose, whether for hospital bills or those other costs that come up while you are recovering.
What if I am on an ACA Under 65 Marketplace plan? Can I save on those big hospital out-of-pocket expenses and deductibles?
Hospital stays, ambulance rides, surgery and more can cost an arm and leg, so to speak. In many Affordable Care Act (ACA) Marketplace exchange plans, sometimes nicked named Obamacare, the deductibles and the maximum-out-of-pocket expenses can be very expensive. Most people can absolutely benefit with a hospital indemnity plan that can fill in the exposures of their ACA plans for a very affordable rate.
Our 3 Step Process
Expert Consultation
Our expertise is free of charge as we guide you through the options that suit you the best based on your circumstances.
Discover & Strategy
With a few simple questions, we can help determine where you are financially exposed or if the plan you have is the right fit for your situation.
Facilitating the Process
We pride ourselves in simplifying the process from start to finish. After enrollment into your plan, we are available to you anytime you need us.
Our Approach
Depending on where you live, we offer consultations by phone or in-person. We also offer video consultation if you prefer to have the best of both worlds.
We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 137 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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