Supplemental Health Coverage

What is Hospital Indemnity and why should you consider purchasing a policy?

Hospital Indemnity is a policy that pays you cash benefits regardless of any other major medical insurance coverage you may have. 

• Designed to help fill gaps in coverage (like hospitalization or ambulance co-pays)

• Strengthens your financial protection

• Helps give peace of mind

So how does it work?

For a quick video presentation, I encourage you to click one of the images below which will link you to your state's available product. 

Let's make a few assumptions:

• Your Medicare Advantage plan has a $300 per day inpatient hospital copay for days 1-6

• You experience a 6-day inpatient hospital stay.

• Your out-of-pocket cost share expectation would be $1,800

Because you chose a Hospital Indemnity policy for less than $30 per month* that pays a $300 per day cash benefit for up to 6 days in the event you are hospitalized in an in-patient capacity, you received $1,800 in cash benefits which you then used to pay your hospital co-pays. After 60 days without hospital confinement, your policy resets so you may use your hospital indemnity coverage again in the future!

Add Optional Riders including but not limited to:

• Ambulance Benefit Rider

• Outpatient Therapy Rider

• Outpatient Surgical Benefit Rider

• Cancer Lump Sum Diagnosis Rider

*Per month premium estimate based on the following: Indemnity Plus Elite policy for a 65 year old male, Florida resident. Your actual premium may vary. 

Please note: Hospital Indemnity insurance is not major medical insurance and is not a substitute for major medical insurance. It does not qualify as minimum essential health coverage under the Federal Affordable Care Act. 

For Florida Residents:

(click the image to view video presentation)

For Alabama & Georgia Residents:

(click the image to view video presentation)