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Hospital Indemnity Direct Benefit Plans
"Will I Live To 80?"
I recently picked a new primary care physician. After two visits and exhaustive lab tests, he said I was doing "fairly well" for my age.
A little concerned about that comment, I couldn't resist asking him," Do you think I'll live to be 80?"
He asked, "Do you smoke tobacco or drink beer or wine?" "Oh no," I replied. "I'm not doing drugs, either." Then he asked, "Do you eat rib-eye steaks and barbecued ribs?" I said, "No, my other Doctor said that all red meat is very unhealthy."
"Do you spend a lot of time in the sun, like playing golf, sailing, hiking, or bicycling?" "No, I don't," I said.
He asked, "Do you gamble, drive fast cars, or have a lot of sex?" "No," I said. "I don't do any of those things."
He looked at me and said, "Then why do you want to live to 80."
Even with the best primary insurance plan, when you’re hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren’t covered...
You may have medical bills because you were out of network or the services provided may have been deemed experimental.
You may have a loss of income.
You may have high co-pays or co-insurance or deductibles that are hard to handle.
A hospital indemnity insurance plan provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you may have, and you have a choice of applying for basic or a more robust plan. Whether you want a plan that provides hospitalization benefits only, or one that also covers outpatient rehabilitation, ambulance transportation and nursing facility benefits, Soderquist Insurance can find the right plan for your unique needs and budget.
QUALIFYING INFORMATION (If any answer to questions 1 through 10 is “YES,” you are not eligible for coverage.)
Please answer the following questions to the best of your knowledge.
1. Are you pregnant or undergoing infertility treatment?
2. In the past 12 months have you received home health care, been bedridden, been confined to a
wheelchair, used oxygen, or been confined to a nursing home or a hospital as an inpatient
(other than for childbirth)?
3. In the past 12 months have you been treated for or diagnosed with chronic obstructive lung disease,
emphysema, Parkinson’s disease, neuromuscular disease, multiple sclerosis, dementias,
Alzheimer’s disease, ulcerative colitis, cirrhosis, hepatitis C or other chronic liver disease?
4. In the past 24 months have you been treated for diabetes:
a) requiring insulin or injectable medication;
b) requiring two or more oral medications;
c) that was diagnosed prior to the age of 40;
d) that involved any complication, including, but not limited to, peripheral neuropathy, peripheral
vascular disease or diabetic retinopathy?
5. In the past 12 months have you been advised to have surgery which will require an inpatient stay
but not yet done so?
6. In the past 12 months have you lost more than 10 pounds without trying?
7. In the past 24 months have you had or been treated for or diagnosed with:
a) a heart attack, stroke, transient ischemic attack (TIA), heart surgery/bypass and/or stent placement,
congestive heart failure;
b) lupus, rheumatoid arthritis, kidney disease, osteoporosis causing fractures;
c) cancer (other than skin cancer), malignancy, leukemia, melanoma, Hodgkin’s disease?
8. In the past 24 months have you received medical advice, treatment or counseling relating to
schizophrenia, psychotic disorder, bipolar/manic depression, alcohol or substance abuse?
9. Have you ever been treated for or been diagnosed by a member of the medical profession as having
Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC) or Human
Immunodeficiency Virus (HIV) Infection?
10. Within the last 24 months:
a) Have you been advised by a Licensed Health Care Practitioner/Physician to have medical tests or
examinations to diagnose a possible condition but have not done so yet?
b) Have you experienced any of the following, for which medical advice, diagnosis or treatment has not
yet been obtained: coughing or vomiting blood; passing blood through either the bowels or urine;
breast discharge; fatigue; unexplained weight loss; a lump, growth or tumor in a breast or elsewhere;
a change in a mole or a bleeding mole?
c) Have you had laboratory or diagnostic test results outside of the normal range or been advised by a
Licensed Health Care Practitioner/Physician to have medical tests or examinations to diagnose one of
the conditions above (refer to Questions 1-9) but have not done so yet?