Hospital Indemnity Plans

Let's say you’re admitted to the hospital unexpectedly, can you afford an extended hospital stay? Because more than 78% of Americans are living paycheck to paycheck, a sudden emergency room visit would more than likely throw you into serious financial trouble. There's no need to fear because we have a solution.

Thankfully, there is a supplemental insurance plan that covers the costs of extended hospital stays.  

What Is a Hospital Confinement Plan?

Hospital Confinement plans is coverage you can add to your existing health insurance plan. This form of supplemental insurance pays you a predetermined benefit amount per day for each hospital confinement, hospital admission, ICU confinement and Ambulance.  

Why is having a hospital confinement plan important?

It makes good financial sense. While in the hospital, it's likely you'll need various treatments, tests, and therapies to get up and about again. These services create out-of-pocket costs beyond what your medical plan may cover in addition to deductibles, co-pays, and expenses that come with out-of-network care.

Once you are in the hospital, it is too late to supplement your health coverage. As with any type of safety net, it must be in place before you need it.

Which brings us to another compelling reason to purchase hospital indemnity coverage. The policy will pay for itself if you have just one hospital stay – which becomes more likely as you get older.

How does it work?

You or your family members experiences a hospital stay, this coverage will help cover out-of-pocket deductible and co-payment expenses.  This plan also provides supplemental benefits for inpatient hospital expenses.  

There are 3 plans to choose from that provides a reassuring layer of financial protection for you and your loved ones in the event of hospitalization.  We help ease the financial pressure, so you can focus on what's important.  Don't delay -- call me today!