Hospital Indemnity Insurance Gainesville, FL | Out-of-Pocket Protection
Protect Your Savings from the High Cost of a Hospital Stay
Protect Your Savings from the High Cost of a Hospital Stay
A single hospital stay can cost thousands of dollars before your major medical coverage begins paying benefits. Unlike traditional health insurance that pay the doctor directly, a Hospital Indemnity policy pays cash benefits directly to you for covered hospital stays. Use the funds for your deductible, your mortgage, or even household expenses.
There's no deductibles to meet to qualify for benefits, and these policies pay in addition to whatever health insurance you may have. Individual & Family policies are available.
Medicare Advantage: Daily hospital copays can add up quickly. You can structure your indemnity policy to match your plan's daily copay—or choose a lower amount to keep your premiums even more affordable while still offsetting the cost.
Marketplace (ACA) Plans: While doctor visits might be manageable, a major hospital stay can be a financial shock. Many ACA plans have deductibles reaching $9,000 or more; an indemnity plan provides the cash needed to bridge that gap.
Is this the same as Health Insurance? No. This is "supplemental" insurance. It does not replace your major medical plan; it pays cash benefits to help offset the costs associated with you major medical plan.
Can I use the money for non-medical bills? Yes. There are no restrictions on how you use the cash benefits.
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