Hospital Indemnity Insurance Gainesville, FL | Out-of-Pocket Protection
Hospital Indemnity Insurance Gainesville, FL | Out-of-Pocket Protection
Protect Your Savings from the High Cost of a Hospital Stay
Embedded Files
Do you have health insurance to cover your major medical bills? Do you have a plan in place to cover the deductibles, co-pays, and other out-of-pocket costs that your primary insurance leaves behind?
Do you have health insurance to cover your major medical bills? Do you have a plan in place to cover the deductibles, co-pays, and other out-of-pocket costs that your primary insurance leaves behind?
A single hospital stay can cost thousands of dollars even with major medical coverage paying its share of the cost. Unlike traditional health insurance that pay the provider directly, a Hospital Indemnity policy pays cash benefits directly to you for covered hospital stays. You can use the funds however you want: 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.
Pairs Well With:
Pairs Well With:
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.
Frequently Asked Questions:
Frequently Asked Questions:
Is this the same as Major Medical Health Insurance? NO. This is a "supplemental" insurance policy. 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.
I'm also concerned about Skilled Nursing Facility (SNF) stays, will my policy cover that as well? With an additional rider purchased, your policy can be structured to cover SNF.
Do I have to answer health questions? While most applications for coverage will require medical underwriting, I offer plans with Guaranteed Issue coverage, meaning, no health questions. Pre-existing condition limitations will apply regardless of how you apply, though, so let's be sure to review the 'fine print' together before you apply.
Independent Authorized Broker of:
Google Sites
Report abuse