Even a short hospital stay can leave you with big bills. Health insurance may cover a portion of your medical costs, but deductibles, co-pays, and non-covered expenses can add up quickly. Hospital indemnity insurance helps fill that gap.
How it works:
Pays a set cash benefit for each day you’re in the hospital (often anywhere from $100 to $500 per day, depending on the plan and coverage selected).
Benefits are paid directly to you, not to the hospital, so you can use the money however you need.
Some plans also pay additional benefits for ICU stays, surgeries, or ambulance services.
Why it matters:
Covers costs your health insurance doesn’t pay
Helps replace lost income if you can’t work while hospitalized
Provides peace of mind that you won’t need to dip into savings for unexpected stays
Hospital indemnity insurance pays you cash for each day you’re hospitalized, benefits that can help cover expenses not paid by traditional health insurance. With plans starting at just a few dollars a day, it’s an affordable way to protect your savings from unexpected costs.
A major illness or injury often requires more than just a hospital stay. Many people need weeks or months of care afterward, whether in a rehabilitation facility, skilled nursing center, or at home. Extended care insurance helps cover these services when traditional health insurance or Medicare falls short. The best part? These plans are extremely affordable, often costing just a few dollars a day.
What it includes:
Daily or monthly cash benefits that can be used for skilled nursing facilities, rehab centers, or in-home care
Support for help with daily living activities like bathing, dressing, and eating if recovery is prolonged
Coverage periods typically range from 6 months to several years, depending on the plan
Why it matters:
Medicare generally covers only limited rehab or skilled nursing, and only if strict requirements are met
Extended care insurance gives you flexibility to choose the recovery support that fits your needs
Reduces the emotional and financial strain on loved ones who might otherwise become caregivers
Short-term care insurance is designed for people who need recovery help, but only for a limited time. It’s an affordable alternative to long-term care insurance and is often easier to qualify for.
How it works:
Covers up to 12 months of care in a nursing facility, rehab center, or at home
Provides a daily cash benefit (for example, $100–$300 per day) to offset care costs
May include coverage for prescription drugs, physical therapy, and assistance with daily living activities
Why it matters:
Ideal for someone recovering from surgery, a fall, or a short-term illness
Can bridge the gap after a hospital stay until you’re fully recovered
Often more affordable than long-term care insurance and available even if you don’t qualify for extended care
These plans are extremely affordable, often costing just a few dollars a day. Contact us for a personalized quote.
