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Other Coverage

Hospital & cancer insurance can add another layer of protection.

Medicare or a Medicare Advantage plan can cover a lot, but a hospital stay or serious diagnosis can still bring copays, coinsurance and everyday expenses. Supplemental fixed-benefit coverage may help with some of those financial gaps.

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Hospital Indemnity

May pay fixed cash benefits for covered hospital events, depending on the policy. That money can help offset eligible out-of-pocket costs or other expenses while you recover.

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Cancer Coverage

Certain supplemental policies can pay specified benefits after a covered cancer diagnosis or treatment, subject to the policy's terms, exclusions, limitations and benefit schedule.

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Cash Benefits

Fixed-indemnity benefits are based on the covered event and policy—not the size of your medical bill. They are supplemental coverage, not a replacement for Medicare or comprehensive health insurance.

Why would someone consider this coverage?

A Medicare Advantage plan may still have hospital copays or other cost sharing. Supplemental hospital coverage may be designed to provide a fixed benefit when a covered hospital event occurs. Cancer coverage may provide specified benefits for covered cancer-related events or treatment.

What can the benefit help with?

Depending on the policy, cash benefits can give you extra financial flexibility while you are dealing with a covered event. The exact benefits, eligibility rules, waiting periods, exclusions and limitations depend on the policy.

The goal is not to pile on insurance. I want to look at the coverage you already have, the out-of-pocket exposure you are concerned about, and whether supplemental coverage actually makes sense for you.

This is supplemental coverage

Hospital indemnity and cancer policies are not Medicare, Medicare Supplement (Medigap), or comprehensive health insurance. They pay only according to the policy's covered events and benefit schedule.

Learn More About Supplemental Coverage
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