Medicare pays the hospital. A hospital indemnity plan pays you.

Even with Medicare, a hospital stay can leave you with real out-of-pocket costs. A hospital indemnity plan sends cash directly to you — to use however you need it most, no strings attached.

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How It Works

Cash in your pocket — not a reimbursement check months later.

Medicare covers a portion of your hospital costs, but deductibles, co-insurance, and daily gaps add up fast. A hospital indemnity plan pays you a fixed cash benefit for each day you're hospitalized — no claims paperwork, no restrictions on how you spend it.

Whether you use it to cover your Part A deductible, pay for help at home, or keep up with everyday bills while you recover, that's entirely up to you. The money goes to you, not to the hospital.

What the cash can cover

Medicare Part A deductible ($1,676 per benefit period in 2025)
Daily co-insurance for extended hospital stays
Transportation, meals, or lodging for a family member
Help at home during recovery
Everyday bills — mortgage, utilities, groceries — while you're out

What's Covered

Benefits that go beyond the hospital room.

Core Benefit

Daily Hospital Benefit

Receive a fixed cash amount for every day you're admitted — typically $100 to $600 per day. Benefits restore after 60 days without a hospital stay.

Critical Care

ICU / Intensive Care

Many plans pay an enhanced daily benefit — often double — for time spent in the intensive care unit, where costs and care demands are highest.

Emergency

Emergency Room Visits

A lump-sum benefit is paid when you visit the ER, even if you're not admitted overnight — covering the co-pays Medicare Part B leaves behind.

Transport

Ambulance Coverage

Ground and air ambulance costs are among the most common Medicare surprises. Many plans include a separate ambulance benefit to close this gap.

Outpatient

Outpatient Surgery

Procedures performed in an outpatient setting can still leave significant bills. Plans often include a benefit for outpatient surgical procedures as well.

Diagnostics

Major Diagnostic Exams

MRI, CAT scan, EEG — when your doctor orders advanced imaging, a hospital indemnity plan can help offset the cost before your deductible is met.

$0

No cost to you

Our consultations are complimentary. We're compensated by the carriers — never by you.

1:1

You speak with a licensed advisor directly

No call centers. No handoffs. One advisor who knows your situation from the first call.

A+

Trusted carriers only

We work with A-rated insurance companies so your family can count on the coverage being there.

Common Questions

What people ask before reaching out

What is a hospital indemnity plan and how is it different from Medicare?

Medicare is your primary health coverage — it pays hospitals and providers directly. A hospital indemnity plan pays you a fixed cash benefit when you're hospitalized. It doesn't replace Medicare; it fills in the financial gaps Medicare leaves behind, including costs that have nothing to do with medical bills — utilities, groceries, family travel.

Do I need this if I already have a Medicare Supplement or Advantage plan?

It depends on your plan and risk tolerance. Supplement plans cover many hospital costs but don't put cash in your hands for non-medical expenses. Advantage plans often have per-day co-pays that add up quickly — a hospital indemnity plan can offset those directly. We'll look at what you have and tell you honestly whether there's a gap worth filling.

Can I qualify if I have pre-existing health conditions?

Yes — most hospital indemnity plans are guaranteed issue or have very limited medical questions. Carriers like GTL (Guarantee Trust Life) offer plans designed for Medicare-age enrollees with simple yes/no applications and no medical exam required. We'll walk through the eligibility details so there are no surprises.

Is your consultation complimentary?

Yes — always. We're compensated by the insurance carriers, not by you. No obligation to enroll in anything we discuss. Call us directly at (859) 710-6773 any time.