Today, you can add Hospital Indemnity insurance coverage to your existing health insurance plan. This form of supplemental insurance pays you a predetermined benefit amount per day for each hospital stay. It’s no secret that hospital visits are expensive. In fact, when it comes to medical bankruptcy, hospital bills are the largest out-of-pocket expenses people face. Hospital Indemnity insurance can help protect you and your family from hospital expenses.

 

Hospital Indemnity insurance can be particularly helpful since a majority of Americans don’t have enough savings to cover unplanned medical bills. The plan pays cash directly to family members even if they don’t incur any out-of-pocket expenses. The payments can be used for any purpose, including medical copay, deductibles, and regular expenses such as food, rent and utilities.

The coverage your Hospital Indemnity insurance provides will depend on your plan choice. In general, most plans cover:

• Hospital confinment (with or without surgery)
• Intensive Care Unit (ICU) confinement
• Critical Care Unit (CCU) confinement
  

However, there are plans that cover even more. Some hospital indemnity coverage also includes:

• Outpatient surgery
• Continuous care
• Outpatient X-rays and laboratory procedures
• Outpatient diagnostic imaging procedures
• Ambulance rides
• Emergency rooms
• Physician office visits
  

Do you want the financial protection that Hospital Indemnity insurance can help provide for you and your family? Talk to our team today!