Hospital Indemnity Direct Benefit Plans
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"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.