OTHER SUPPLEMENTAL PLANS

HOSPITAL INDEMNITY PLANS

Hospital indemnity insurance is a supplemental plan that can help relieve out-of-pocket costs if you have an expensive, unplanned hospital stay. As a policyholder, you choose a plan based on a specified, fixed-amount benefit for each day you’re confined to a hospital as a result of a covered sickness or injury. You typically choose a per-day cash benefit amount and a benefit period, which is the maximum number of days the policy will pay. Hospital indemnity insurance generally has no deductible nor does it limit the providers you can see. Benefits can usually be spent in whatever way you choose—from medical bills to household expenses.

 
What sets hospital indemnity insurance plans apart are the additional benefits and riders that pay for services beyond hospital confinement. These benefits offer extra value at no additional charge and are, at times, added to a hospital indemnity plan to cover one of four service categories: services provided before, during, or after inpatient hospitalization, or services provided during outpatient hospitalization.

CRITICAL ILLNESS PLANS

Critical illness is coverage for individuals dealing with serious health conditions such as cancer, heart disease, or stroke. Most carriers offer a critical illness plan either for individual conditions or for a combination of illnesses. These plans cover many health conditions and pay a lump sum benefit. Every plan is customized for specific clients.

  • Up to $75,000 in benefits

  • Additional riders available

  • Benefit builder rider

  • Recurrence rider

  • Intensive care rider

  • Critical accident riderC

  • Child coverage rider

Surviving cancer with the help of a supp

ACCIDENTAL INJURY PLANS

Accidental injury insurance plans may provide needed cash benefits that you can use to help pay medical costs not covered under your health insurance if you are injured due to an accident. Benefits may include household bills, such as rent or groceries, or other expenses. ​Both individual and family coverages are available, and no medical exam is required.

Accidental injuries are common in senior

HOME HEALTH CARE PLANS

  • The most recommended of Medicare's home health care plans combine the BEST of home healthcare with short-term care.

  • Plan A

  • • $150 maximum daily benefit

  • • $40 maximum daily short-term home health care aide benefit

  • • $300 maximum annual prescription drug benefit

  • Plan B

  • • $300 maximum daily benefit​​

  • • $80 maximum daily short-term home health care aide benefit

  • • $600 maximum annual prescription drug benefit

  •  

  • Plan C

  • • $450 maximum daily benefit

  • • $120 maximum daily short-term home health care aide benefit

  • • $600 maximum annual prescription drug benefit

  • Prescription Drug Benefits
  • • $10 for generic prescription drugs

  • • $25 for brand name prescription drugs

  •  Restoration of Benefits 
    • If home health care benefits are not received for 180 consecutive days AND a licensed health care practitioner has certified that the client is sufficiently recovered and no longer requires home health care or nursing care services, your benefits may be restored.