Individual - Group
Texas Hospital Supplement Plans
Supplements for Texas Residents
Provides Direct Payment for Hospital Expenses
to lower the cost of your health insurance
additional dollars if you are sick or injured
for difficult to insure individuals
with HSA to eliminate high deductibles
your hospital stay if you need it, even if the insurance company
wants to throw you out
for Individuals or Groups
are Hospital Supplement Plans?
or hospital income policies are generally inexpensive plans that pay
you a set number of dollars for days that you're in the hospital. Some
plans even cover out-patient procedures.
Needs a Hospital Indemnity Plan?
the best health insurance plan doesn't cover all the costs of hospitalization
or medical care. Major medical plans typically pay 80%, and only after
you've paid an annual deductible. And that's just for the expenses they
cover. What about the cost of a private hospital room, private duty
nursing, and in-hospital physician's visits? Many plans either limit
or exclude these expenses altogether.
Also, there are the hidden
cost associated with a hospital stay ... those personal expenses your
family incurs if you're hospitalized ... things like travel, lodging,
meals, housekeeping expenses, etc. Here are some of the uses for a hospital
cover your deductible and coinsurance. It is often much more cost
effective to have a higher deductible and a supplement to pay your
out-of-pocket costs, then it is to pay for a low deductible.
Court has decided that your insurance company can throw you out
of the hospital against doctor's orders and there isn't a thing
you can do about it (the justices either have great insurance or
they are on Medicare). A few more days in the hospital can make
all the difference in the world. With a supplement you can tell
the insurance company to stick it and pay the next few days with
||You can use
the supplement money to make up for lost wages, childcare cost,
non-covered expenses or just take a vacation and recuperate. Its
your money and its paid directly to you.
Who is Eligible
for a Hospital Indemnity Plan?
Texas hospital indemnity
plans are generally available to those who are employed a minimum of
30 hours a week. It can be your own business, part-time, independent
contractor, etc. If you are not employed, you can be carried on a spouse's
plan. We have one product that does not require employment.
It depends on which
plan we offer you. Some plans have limited medical requirements but
they are not as strict as regular health insurance. There are plans
that are guaranteed and will take anyone.
Depending on which
supplement you purchase, the benefits may include:
- An initial lump
sum for your first hospital admission of the year
- A daily payment for each day you spend in the hospital
- A lump sum payout for outpatient surgery
- A fixed amount for each outpatient doctor visit up to a certain number
- Surgical benefits that pay a fixed amount based on the type of surgery
- Emergency room payment for accidents or injuries
- Ambulance costs
These benefits are
paid to you directly and with the exception of the surgical benefits,
are paid regardless of why you are in the hospital. There are certain
exclusions for elective procedures.
Cover Maternity Expenses?
plans cover maternity costs in the same way they cover all other eligible
expenses. They do require that you do not deliver until you have had
the plan for 10 full months. This is there way of knowing that you were
not pregnant when you applied for the plan.
information, please give us a call. These plans can also be written
for groups of any size.
Mon - Fri 8 A.M. to 7 P.M. / Saturday 9 A.M. to 2 P.M.
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