Hospital Indemnity insurance pays cash directly to you when you're hospitalized — use it for your deductible, household bills, or anything you choose.
Yes — Hospital Indemnity plans for seniors are designed for people who already have Medicare Part A and/or Part B. They work alongside your existing Medicare coverage to pay the gaps Medicare leaves behind.
Most Hospital Indemnity plans for ages 60–79 are guaranteed issue or simplified underwriting — meaning most seniors qualify regardless of health history. A licensed agent will review your specific situation at no cost to you.
Costs vary by plan, age, and coverage level. Many seniors find plans at very affordable monthly premiums — some as low as $0 depending on your situation. A free consultation will show you exactly what is available in your area.
Yes — Hospital Indemnity insurance works with both Original Medicare and Medicare Advantage plans. It's especially valuable for Medicare Advantage members who face per-day hospital copays under their plan.
When you're hospitalized, you file a simple claim with the insurance company. The cash benefit is paid directly to you — not to the hospital or to Medicare. You use it however you need — no restrictions.
Takes less than 60 seconds. A licensed agent will call you to explain your Hospital Indemnity options — no cost, no pressure.
