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How Much Does Hospital Indemnity Pay?

Exploring the intricacies of hospital indemnity benefits can provide clarity for seniors seeking supplemental coverage to manage potential healthcare expenses.

Hospital indemnity plans deliver fixed cash benefits directly to beneficiaries, offering financial support for out-of-pocket costs during hospital stays.

These benefits can be a key component alongside Medicare or other health plans, ensuring peace of mind when unforeseen medical events arise.

Understanding the specifics of how hospital indemnity pays and the level of coverage it offers is essential for making well-informed decisions about one’s healthcare strategy.

Key Highlights

  • Hospital indemnity insurance provides fixed cash benefits for hospital stays, supplementing Medicare and employer plans.
  • Eligibility for these plans includes Medicare beneficiaries, employees, and individuals seeking additional coverage.
  • Policies typically cover daily hospital costs, room charges, and related expenses like transportation.
  • Exclusions often include pre-existing conditions, elective surgeries, and substance abuse-related hospitalizations.
  • Premiums depend on age, health status, benefit levels, and whether the plan is individual or group-based.

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Understanding Hospital Indemnity Insurance Basics

Understanding Hospital Indemnity Insurance Basics

Hospital indemnity insurance is a crucial component of supplemental health coverage, offering peace of mind by providing fixed cash benefits for covered hospital occurrences.

These benefits can help manage out-of-pocket expenses that traditional insurance might not fully cover.

By exploring the fundamentals, you’ll gain insight into how hospital indemnity insurance works and how it complements other health insurance plans, such as Medicare and employer-sponsored coverage.

It’s essential to understand the benefits of hospital indemnity insurance so you can make informed decisions about your healthcare coverage options.

What is Hospital Indemnity Insurance?

Hospital indemnity insurance is a type of supplemental insurance policy designed to provide financial assistance in the event of a hospital stay.

Instead of reimbursing you for specific medical services or treatment costs like traditional health insurance, hospital indemnity insurance pays a predetermined, fixed cash benefit directly to you for each day you’re hospitalized, regardless of medical expenses incurred.

This payment structure offers flexibility, allowing policyholders to allocate funds as needed for various costs, such as hospital bills, daily living expenses, or even transportation to medical appointments.

One of the significant advantages of hospital indemnity insurance is its role in bridging the financial gap left by conventional health insurance plans.

Many Medicare beneficiaries and those with employer-sponsored health insurance find themselves facing high deductibles and copayments during a hospital stay.

Hospital indemnity insurance helps mitigate these out-of-pocket expenses, ensuring that unexpected hospital visits don’t significantly impact your financial stability.

Additionally, it can be particularly beneficial for individuals with chronic conditions or those anticipating hospital visits due to planned surgeries or procedures.

It’s important to note that each hospital indemnity insurance plan can vary in terms of coverage amounts and benefits, making it crucial to review the specifics of any plan you’re considering.

For example, some plans might cover additional services like emergency room visits or offer higher payouts for extended hospital stays.

By understanding the nuances of hospital indemnity insurance, you can make an informed decision about the best way to protect yourself against unforeseen hospital expenses.

How Does Hospital Indemnity Compare to Traditional Insurance?

When comparing hospital indemnity insurance to traditional health insurance, it’s essential to recognize the unique role each plays within your overall healthcare coverage.

Traditional health insurance plans, such as those offered by Medicare, employer-sponsored programs, or private insurers, typically cover a range of medical services, including doctor’s visits, surgeries, and prescription medications.

They operate on a reimbursement model, paying for a portion of your medical expenses after deductibles and copays. However, these plans often don’t cover the entirety of hospital-related costs, leaving enrollees with notable financial responsibilities.

Hospital indemnity insurance, on the other hand, specifically targets the financial pressures associated with hospital admissions. It provides fixed cash benefits for covered hospital stays, independent of the exact medical services you receive.

This approach means you have the flexibility to use the funds as needed, whether to cover uninsured portions of your hospital bill or to ease the burden of everyday expenses while recovering.

The primary difference between hospital indemnity and traditional insurance lies in payment structures and flexibility.

While a traditional insurance policy helps with overall healthcare costs, hospital indemnity insurance offers targeted support during times when you’re most financially vulnerable, during or after hospitalization.

For Medicare beneficiaries, this supplemental insurance can complement Parts A and B by addressing gaps in coverage, thus reducing the stress of unexpected hospitalization costs.

In terms of deciding whether to incorporate hospital indemnity insurance into your coverage, consider your current health insurance plan’s limitations and your personal healthcare needs.

Evaluating past hospital visits and anticipating future healthcare requirements can help determine the potential value of hospital indemnity insurance in your situation.

Ultimately, aligning hospital indemnity insurance with your existing coverage ensures comprehensive financial protection against both expected and unexpected hospitalization expenses.

Eligibility for Hospital Indemnity Plans

Eligibility for Hospital Indemnity Plans

Understanding who qualifies for hospital indemnity plans is crucial for those considering this supplemental coverage.

These insurance plans are available to a wide range of individuals, including Medicare beneficiaries, employees under employer group plans, and those seeking additional protection alongside traditional health insurance.

Determining eligibility is important, especially if you’re looking to complement your Medicare or employer-sponsored benefits.

By grasping the eligibility criteria, you can better assess how these plans may fit into your broader health coverage strategy, ensuring that you have the necessary support during hospital stays.

Who Can Apply for a Hospital Indemnity Plan?

Hospital indemnity plans are designed to offer a financial safety net to a diverse group of individuals, ranging from pre-Medicare adults to retirees already enrolled in various health programs.

Generally, these indemnity insurance policies are available to anyone seeking to enhance their current healthcare coverage.

This eligibility extends to both individuals and employees covered by employer plans, providing an avenue for additional support during hospitalization.

Whether you’re an individual or part of a group, enrollment is open, allowing for broader access to these helpful supplemental plans.

For seniors aged 60-85, or those preparing to enter Medicare, understanding how to apply for hospital indemnity plans involves examining your current healthcare insurance landscape.

For instance, Medicare beneficiaries who find themselves burdened by out-of-pocket costs due to limitations in Original Medicare or Medicare Advantage plans may benefit from applying for a hospital indemnity plan.

This type of insurance can cover various expenses not typically paid for by traditional Medicare, such as daily hospital care costs, providing an essential financial cushion.

Employees can also explore how group plans may offer these indemnity benefits as part of their overall employee benefits package.

Employers may offer these policies because they recognize the need to shield their employees from significant hospital-related expenses, thereby maintaining financial wellness amidst unexpected health events.

Additionally, those with existing employer health insurance can apply for these supplemental plans to ensure comprehensive coverage, safeguarding against the high costs associated with extended hospital stays.

It’s worth noting that insurers offering hospital indemnity plans have specific eligibility criteria such as the policyholder’s age, health status, and residency.

Since plan offerings and requirements can vary significantly, it’s crucial to review the specific terms of a prospective plan, ensuring it aligns with your personal circumstances and healthcare needs.

By carefully considering these factors, potential applicants can determine which hospital indemnity policy best supports their financial health strategy during hospital admissions.

How to Determine Eligibility with Medicare and Employer Plans

Determining eligibility for hospital indemnity insurance in conjunction with Medicare and employer-sponsored plans involves a careful examination of existing health coverage and understanding the gaps that such supplemental insurance could bridge.

For Medicare beneficiaries, hospital indemnity plans serve as a strategic complement to fill the void left by Parts A and B, which may not cover all hospital-related expenses.

These supplemental plans are ideal for those frequently facing copays, deductibles, and other out-of-pocket costs that Medicare’s coverage does not fully address.

To assess eligibility, start by evaluating your current healthcare plan. Examine the extent of your Medicare policy, be it Original Medicare or an Advantage plan, to identify what expenses aren’t covered during hospital stays.

For instance, Medicare typically covers a portion of inpatient hospital services but might leave some financial responsibility with the beneficiary. A hospital indemnity plan could pay cash benefits directly to you, helping manage these costs effectively.

If you receive insurance through your employer, check if a hospital indemnity plan is included in your employee benefits package.

Employers often offer these plans as they recognize the need for added financial protection, which can be a critical factor in maintaining employee satisfaction and reducing stress during health-related events.

Understanding what your current employer plan covers and assessing whether hospital indemnity insurance could supplement these areas is crucial for ensuring comprehensive support.

When determining eligibility, make sure to review any specific regulations or limitations that apply to your situation.

For example, some insurers may have age or health criteria that you must meet to qualify for a hospital indemnity policy. It’s also essential to confirm that the plan you are considering aligns with your health needs and financial goals.

By thoroughly analyzing your existing Medicare or employer insurance policy and identifying potential coverage gaps, you can decide on the appropriateness of incorporating a hospital indemnity plan as a strategic part of your healthcare protection to alleviate potential out-of-pocket expenses during hospitalizations.

Understanding how to evaluate eligibility for hospital indemnity insurance is crucial. Here are some key considerations and insights to keep in mind:

  • Review personal and family medical history to anticipate potential hospital stays.
  • Evaluate current health insurance plans to identify coverage gaps that hospital indemnity can fill.
  • Check the minimum and maximum policy age to ensure you qualify.
  • Consider any pre-existing condition clauses that may affect eligibility.
  • Compare premium costs against expected benefits for a cost-effective decision.
  • Investigate the flexibility of coverage, such as hospital type or location.
  • Assess additional benefits, like coverage for outpatient services or travel assistance.

A thorough evaluation of these factors can guide you in selecting a suitable hospital indemnity plan, ensuring financial security during hospital stays.

Coverage Options in Hospital Indemnity Policies

Hospital indemnity policies offer varied coverage options designed to provide financial assistance during hospital stays.

These policies typically pay a fixed cash benefit directly to you or your family, which can be used flexibly to cover a range of expenses not fully covered by traditional health insurance.

Understanding what a policy includes and the potential exclusions is crucial for making an informed decision about your supplemental insurance needs.

This knowledge can aid in selecting the right indemnity insurance plan to ensure you have adequate coverage during hospital admissions.

What Does Hospital Indemnity Typically Cover

What Does Hospital Indemnity Typically Cover?

Hospital indemnity insurance generally covers a spectrum of costs associated with hospital stays, focusing on offering financial relief during these critical times.

Unlike conventional health insurance, which reimburses specific medical services, hospital indemnity policies provide direct cash payments that can be used to address various expenses.

These typically include daily hospital costs, which are crucial in managing the financial burden of prolonged hospital stays.

By offering a fixed benefit per day spent in the hospital, these plans offer flexibility in handling costs like room charges, nursing care, and any additional fees incurred during your stay.

Moreover, hospital indemnity policies may cover related expenses that stack up outside the hospital.

These can encompass costs like transportation to and from the hospital, lodging for family members who come to support you, and even childcare expenses during your recovery period.

This broader coverage scope goes beyond what traditional employer or Medicare insurance plans may offer, addressing gaps that might otherwise stress your financial resources.

Many policies are also tailored to include benefits for outpatient services related to the hospital stay, such as rehabilitation visits, which are critical for complete recovery yet often come with significant out-of-pocket expenses.

Furthermore, some hospital indemnity plans are designed with additional options, such as extended coverage for emergency room visits or higher payout limits for intensive care stays.

This adaptability is essential for tailoring the insurance to meet individual needs effectively.

Plans offered by companies like MetLife or through group plans might include special provisions to meet specific demographics’ needs, such as seniors or those with chronic health conditions.

Understanding these detailed coverage aspects allows you to assess how a hospital indemnity plan can offer significant supplemental support alongside existing Medicare or other health insurance programs, especially against the backdrop of rising hospitalization costs.

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Understanding Exclusions in Hospital Indemnity Coverage

While hospital indemnity insurance provides vital support, it’s equally important to understand the exclusions that might apply to these policies.

Exclusions are specific situations or conditions that the insurance won’t cover, and clarifying these can help avoid unexpected costs.

Most hospital indemnity policies may not cover pre-existing conditions, which are illnesses or health issues diagnosed or treated before the policy’s effective date.

For this reason, reviewing your policy’s terms is indispensable, particularly if you’re managing ongoing health concerns.

Another common exclusion involves certain types of care or circumstances, like elective surgeries or cosmetic procedures, which typically aren’t covered by hospital indemnity plans.

This could mean that if your hospitalization is planned for a procedure not deemed medically necessary, your indemnity insurance might not provide benefits for those days in the hospital.

Policies also often exclude self-inflicted injuries, war-related incidents, or substance abuse-related hospitalizations.

Employers’ group plans and individual policies alike are crafted with these exclusions to mitigate risks and maintain balance within the insurance structure.

Understanding these exclusions not only aids in comprehensively assessing the value of a hospital indemnity policy but also informs how you define your overall health insurance strategy.

Recognize that certain ailments or treatment types may require separate coverage or an alternative plan altogether.

By pinpointing what is and isn’t covered under your hospital indemnity insurance, you can more effectively employ this coverage to complement plans like Medicare, ensuring all your bases are covered during a hospital stay.

This proactive approach helps eliminate surprise gaps in coverage and supports a more secure health insurance portfolio, allowing you greater peace of mind.

Cost Considerations for Hospital Indemnity Insurance

When evaluating hospital indemnity insurance, understanding the costs is paramount to making informed decisions.

This insurance offers financial peace of mind during hospital stays, but its premiums and the policy’s benefits must be carefully weighed. The premiums for hospital indemnity insurance can vary significantly depending on several factors.

Assessing costs against the benefits offered by the policy helps determine the value of the expenditure.

Let’s dive into the elements affecting insurance premiums and how to balance costs with the benefits of an indemnity policy, ensuring optimal financial coverage during hospital admissions.

Factors Affecting Hospital Indemnity Insurance Premiums

Hospital indemnity insurance premiums are influenced by multiple factors, playing a crucial role in determining the overall cost of your insurance plan.

One primary consideration is age, as premiums tend to increase with age due to the heightened risk of hospital stays. Older adults might face higher premiums because they are statistically more likely to require hospitalization.

Additionally, the level of benefits and the policy terms can affect the premiums.

A policy offering extensive coverage for hospital stays, such as including benefits for intensive care or extended hospitalizations, will usually come with higher premiums compared to more basic plans.

Another significant factor is the overall health status at the time of application. Insurers may conduct a health review to assess risks, and individuals with pre-existing conditions might encounter higher premiums.

This assessment helps insurers set premiums that reflect the anticipated costs associated with coverage. Moreover, lifestyle choices, such as smoking, can also impact premiums, as they are linked to an increased likelihood of health issues requiring hospitalization.

It’s essential to consider whether you’re enrolling in a group plan through an employer or purchasing an individual policy. Group plans often offer more favorable premium rates due to shared risk among a group of policyholders.

Employer plans can provide a cost-effective way to access hospital indemnity insurance, reflecting the employer’s negotiation power and group benefits structure.

Another aspect influencing premiums is the geographic location; healthcare costs can vary, and areas with higher medical expenses might see higher insurance premiums as a result.

When evaluating hospital indemnity insurance, compare the premium costs with the potential benefits you’re likely to receive.

Determine if the policy aligns with your healthcare needs and financial capabilities, considering current health status and lifestyle factors.

Thorough analysis ensures you select an insurance plan offering the most comprehensive protection for your hospital care while managing out-of-pocket costs effectively.

Weighing Costs Vs. Benefits of an Indemnity Policy

In assessing whether hospital indemnity insurance offers value, it’s vital to weigh costs against the benefits provided.

An indemnity policy is designed to supplement existing health insurance by covering costs that might arise during hospital stays, which aren’t fully covered by traditional insurance or Medicare.

The main advantage of these policies lies in their ability to provide direct cash benefits, which can be used flexibly to manage various out-of-pocket expenses, such as deductibles, copays, or transportation costs, helping to alleviate the financial burden during recovery.

The decision to invest in hospital indemnity insurance depends largely on individual circumstances, including health status, anticipated medical needs, and current insurance coverage.

When evaluating an indemnity policy, consider the likelihood of hospitalization due to chronic conditions or planned procedures.

For retirees and Medicare beneficiaries who regularly face hospital visits, the financial support from an indemnity policy can be invaluable, reducing unexpected hospital expenses and providing peace of mind.

It’s essential to compare the costs of premiums against expected benefits. Calculate potential savings by analyzing scenarios where hospitalization might occur, factoring in current health trends and family medical history.

While the premiums might seem like an additional expense, the long-term benefits can outweigh the costs, especially if you plan to have more hospital admissions.

Additionally, review policy specifics, such as maximum payout limits and benefit structures, to ensure alignment with your healthcare needs.

By taking a strategic approach to evaluating costs versus benefits, individuals can decide how an indemnity policy fits into their broader coverage strategy.

Consider how these plans complement Medicare and employer-sponsored health plans, ensuring comprehensive coverage.

Ultimately, understanding how hospital indemnity insurance balances costs with benefits empowers you to protect your financial health, minimizing out-of-pocket hospital expenses effectively and contributing to a more secure healthcare plan.

How Hospital Indemnity Insurance Complements Medicare

For individuals navigating Medicare, incorporating hospital indemnity insurance can be a strategic move to enhance personal healthcare coverage.

These indemnity plans are crafted to provide additional financial protection by paying fixed cash benefits during hospital stays, which can ease the burden of out-of-pocket expenses that Medicare doesn’t cover.

Whether you rely on Medicare Advantage or Original Medicare, hospital indemnity insurance is an effective way to fill coverage gaps and enhance current benefits, potentially saving substantial out-of-pocket costs during unexpected hospitalizations.

Enhancing Coverage with Medicare Advantage and Original Medicare

Medicare Advantage and Original Medicare offer extensive health coverage, yet they’re not without limitations, particularly when it comes to hospital stays.

Hospital indemnity insurance steps in to offer an extra layer of protection, enhancing both types of Medicare plans by specifically targeting potential gaps.

With Original Medicare, Part A covers inpatient hospital care but still leaves beneficiaries with various out-of-pocket costs, such as deductibles and copayments.

Beneficiaries often face expenses that pile up rapidly during hospital admissions, which can cause financial strain.

By tapping into a hospital indemnity policy, individuals receive fixed cash benefits directly payable to them, offering a flexible solution to manage these costs independently.

Medicare Advantage plans, offered through private insurers, often integrate additional benefits like vision or dental care, yet they might still have out-of-pocket costs for hospital services.

Hospital indemnity insurance can supplement these plans by covering costs like inpatient deductible fees or costs associated with extended hospital stays.

The indemnity benefits provide a personalized approach to managing healthcare expenses, enabling policyholders to allocate funds as necessary, whether for medical bills, transportation, or even recovery-related expenses.

Additionally, the benefit of having both Medicare and hospital indemnity insurance lies in the ability to access comprehensive coverage tailored to personal health needs.

This integration allows individuals, especially seniors and those with chronic health issues, to focus on recovery without the cloud of financial worry.

By understanding how these policies intertwine, you can align your healthcare strategy effectively, ensuring that you’re covered for both anticipated and unforeseen hospital visits, ultimately promoting better health management and peace of mind.

The Role of Hospital Indemnity in Reducing Out-of-Pocket Costs

One of the most significant advantages of hospital indemnity insurance is its role in reducing out-of-pocket costs for hospital-related expenses.

Many Medicare beneficiaries face high deductibles, copayments, and other expenses even after Medicare payments, which can be financially taxing, particularly for those on fixed incomes.

Hospital indemnity insurance offers a practical solution by providing fixed cash payouts that can be used to offset these immediate expenses, thus minimizing the economic impact of hospital stays.

For instance, during a hospital stay, patients may encounter unexpected expenses ranging from room costs to specific treatments not fully covered by Medicare. Here, the benefits of a hospital indemnity plan become evident.

The payments disbursed by these plans allow for greater financial autonomy, giving beneficiaries the freedom to direct funds where they are most needed.

This not only includes direct medical expenses but also indirect costs such as transportation for follow-up visits or additional care services required during recovery.

Moreover, the strategic incorporation of hospital indemnity insurance acts as a safeguard against fluctuating healthcare costs, which often climb faster than inflation.

For seniors, retirees, and caregivers, understanding how these plans work alongside Medicare Advantage or Original Medicare is crucial to constructing a robust financial defense against escalating out-of-pocket costs.

As health costs continue to rise, having a hospital indemnity policy enriches your health plan coverage, ensuring that financial barriers do not hinder access to necessary care.

By effectively reducing unexpected hospital-related expenses, these policies support a holistic approach to maintaining financial health throughout one’s healthcare journey.

 

Insurance Type Coverage Gaps Addressed Indemnity Benefits Financial Impact
Hospital Indemnity Insurance Part A & B Deductibles Daily Hospital Confinement Reduces Out-of-Pocket Costs
Hospital Indemnity Insurance Extended Hospital Stays Coverage for Extended Days Mitigates Financial Burden
Hospital Indemnity Insurance Skilled Nursing Facility Costs Additional Skilled Nursing Benefits Decreases Financial Strain
Hospital Indemnity Insurance Unexpected Medical Events Lump Sum Cash Payments Ensures Financial Stability

This table illustrates the critical role of hospital indemnity insurance in bridging coverage gaps and reducing out-of-pocket expenses for Medicare beneficiaries.

Understanding the benefits and payouts of hospital indemnity insurance is crucial for making informed health coverage decisions.

By analyzing your current insurance needs and financial situation, you can choose a hospital indemnity plan that acts as a financial safety net, covering unexpected hospital expenses.

These plans can be particularly valuable when combined with Medicare or other health plans, providing peace of mind and protecting your savings.

As health care costs continue to rise, having a clearer understanding of hospital indemnity insurance empowers you to take control of your health and financial well-being.

How Much Does Hospital Indemnity Pay?

How much hospital indemnity insurance pays depends on the specific plan, benefit schedule, and covered events outlined in the policy. Unlike traditional health insurance, hospital indemnity insurance does not pay a percentage of medical bills.

Instead, it typically pays fixed cash amounts when certain qualifying hospital-related events occur.

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Frequently Asked Questions

Typical Hospital Admission Benefits

Many hospital indemnity plans pay a one-time lump-sum benefit when you are admitted to a hospital for a covered reason.

Admission benefits commonly range from a few hundred dollars to several thousand dollars per admission, depending on the plan design.

Daily Hospital Confinement Payments

Some policies pay a fixed daily benefit for each day you are confined in the hospital. Daily confinement benefits may range from a set dollar amount per day and are often subject to a maximum number of covered days per year or per illness.

Intensive Care Unit (ICU) Benefits

Hospital indemnity insurance may provide higher benefits for stays in an intensive care unit. ICU benefits are often paid per day or as a separate lump sum and are typically greater than standard hospital confinement payments, reflecting the higher level of care.

Other Covered Services and Payments

Depending on the policy, hospital indemnity insurance may also pay fixed benefits for emergency room visits, outpatient surgery, diagnostic tests, observation stays, or other hospital-related services.

Each benefit amount and trigger is defined in the plan’s benefit schedule.

How the Payments Are Used

Hospital indemnity benefits are usually paid directly to the insured individual, not to the hospital or healthcare provider.

The cash can generally be used for medical cost-sharing, household bills, transportation, childcare, or other expenses during recovery, subject to the policy’s terms.

Important Payment Considerations

Benefit amounts vary widely by insurer and plan. Coverage may include waiting periods, benefit caps, exclusions, and eligibility rules.

Hospital indemnity insurance is not designed to replace major medical coverage or Medicare, but may help manage certain hospital-related out-of-pocket costs.

Reviewing the full policy details is the best way to understand potential payouts.

Have Questions?

Speak with a licensed insurance agent

1-833-641-4938

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-833-641-4938TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company

HospitalIndemnityInsurance.org
1200 Lakeway Drive, Suite 17A
Austin, TX 78734

TERMS & CONDITIONS | PRIVACY POLICY | EDITORIAL POLICY | DISCLOSURE

This website and HospitalIndemnityInsurance.org are privately owned and operated and are not affiliated with, endorsed by, or connected to the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent multiple organizations which offer Medicare Advantage, Medicare Supplement Insurance plans, and Medicare Prescription Drug plans. Not all plans offer all benefits mentioned. Benefits, premiums, deductibles, copayments, coinsurance, exclusions, and limitations may vary by plan, carrier, and location and may change over time.

By submitting your information through this website, you agree to the site’s privacy policy and expressly consent to be contacted by a licensed insurance agent or insurance company regarding Medicare insurance plans by phone, email, or text message at the number provided, including a wireless number, using automated technology, prerecorded messages, or artificial voice. Consent is not a condition of purchase. Message and data rates may apply.

Enrollment in a Medicare plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period. Plan availability depends on contract renewal. We do not offer every plan available in your area. Any information provided is limited to the plans we offer in your area.

For complete and official information about Medicare benefits and coverage options, visit Medicare.gov or call 1-800-MEDICARE (TTY users: 1-877-486-2048), 24 hours a day, 7 days a week.

HospitalIndemnityInsurance.org is owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company.