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Types of Supplemental Plans

Hospital Indemnity Plans
Hospital Staff

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.


There’s generally no deductible or limited provider network, and benefits can be spent in whatever way you choose, from medical bills to household expenses.

What sets each Hospital Indemnity insurance plan apart is the added benefits and riders that pay for services beyond hospital confinement. These benefits are often available at no additional charge and offer extra value. The benefits that are sometimes added to a Hospital Indemnity plan typically cover one of four service categories: services provided before, during, and after inpatient hospitalization, or services provided during outpatient hospitalization.

Critical Illness
Hospital Corridor

Critical Illness is coverage for those dealing with serious health conditions such as Cancer, Heart Attack, or Stroke. Most carriers offer a Critical Illness plan whether it’s a Cancer Only, Heart Attack and Stroke only, or a combination of a Cancer, Heart Attack, or Stroke plan.

These plans cover many health conditions and pay a lump sum benefit.

Issue ages 18-90.  Every plan is customized to each client.

Up to $75,000 in benefits

Additional riders available

benefit builder rider

recurrence rider

intensive care rider

critical accident rider

child coverage rider

Physical Therapist
Accidental Injury Plans

The Accident Insurance plans may provide cash benefits you need if you are injured due to a covered accident.

The Accident Insurance plans pay cash benefits for covered accidents which you may use to help pay medical costs not covered under your health insurance, household bills, such as rent or groceries, or other expenses.

Both Individual and Family coverages are available, and no medical exam is required.

Home Healthcare Plans
Home Nurse Examining Patient

Here is an example of a home health care plan that combines the BEST of Home Health Care and Short Term Care. Available ages 40-85

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 Benefit:

$10 for generic prescription drugs

$25 for brand name prescription drugs

Restoration of Benefits:
Benefits are restored 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.
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