How Hospital Indemnity Plans Can Save You Thousands

When it comes to Medicare Advantage, many people assume their coverage is complete. After all, most plans include medical, hospital, and prescription drug coverage all in one. But what if I told you there's a hidden gap — one that could cost you hundreds, even thousands of dollars out-of-pocket?

That gap? Hospital copays.

Most Medicare Advantage (MAPD) plans have daily copays for inpatient hospital stays. That means if you’re admitted for three or five days, you could owe $300 to $1,500 or more — all at once. That’s not including ambulance costs, skilled nursing fees, or follow-up care.

This is where hospital indemnity plans come in.

Hospital indemnity plans are supplemental policies designed to pay you cash — directly — when you’re admitted to the hospital. You choose how much coverage you want, usually anywhere from $250 to $400 per day, and when you're hospitalized, you receive that benefit tax-free. Best of all, it's money you can use however you see fit: to pay bills, cover travel for loved ones, or just ease the stress of recovery.

These plans are simple, affordable, and don’t interfere with your current Medicare coverage. Most people pay between $20–$40 per month for a solid indemnity plan. There are no networks, no pre-authorizations, and benefits are paid regardless of which hospital you use.

So who should consider one?

If you have a MAPD plan with hospital copays, especially those that charge $250 or more per day for the first few days, you could benefit from the added protection. If you’ve been hospitalized in the past or have conditions that increase your risk for inpatient stays, hospital indemnity coverage gives you peace of mind that you won’t be blindsided by bills.

On the other hand, if you have **full Medicaid**, you likely don’t need this type of coverage. Medicaid typically covers most, if not all, inpatient costs — so there's no need to double up.

Choosing the right plan and coverage amount is quick and easy. I can walk you through a short quote and help determine whether hospital indemnity makes sense for your situation.

Remember, insurance isn’t just about having coverage — it’s about avoiding surprises.

Let’s talk today if you’d like to explore your options. You’ve worked hard to protect your health — now let’s protect your finances too.

– Dalton Brewster, Licensed Medicare Agent

📞 (949) 209-1491