Hospital Insurance

Hospital Confinement Protection

Why a Hospital Indemnity Plan?

As noted in this recent article hospital expenditures are 38.3% of total healthcare expenditures nationally. In other words, they are the most expensive places to receive care.

That is why we have two VERY inexpensive supplemental plan designed to provide coverage for the first day hospital/ICU stay that you have in any year.

Here are other great recent articles discussing the value of hospital indemnity insurance:

Hospital indemnity – Insurance for your Insurance – People buy health insurance to protect them in the event of a big medical claim. Unfortunately, with today’s rising deductibles and out-of-pocket limits, which will be $7,500 for HSA-qualified plans and $9,100 for non-HSA plans in 2023, major medical health insurance alone isn’t enough for many people. Even with insurance protection, a huge percentage of Americans will have trouble paying their share of the bills.

According to Healthcare.gov, “the average cost of a 3-day hospital stay is around $30,000.” Even after accounting for the negotiated rates insurance carriers have with their in-network facilities, many members quickly hit their plan’s out-of-pocket limit, leaving them with thousands of dollars in bills.

Please go to my US Supplemental Coverage page for additional information on available plans from our insurance company partners.

If you would like to discuss your life insurance options, please go to my online calendar and schedule a call with me on a day and time that works for you, and I will call you to review your options.