Hospital Indemnity
Pays you a fixed cash amount for every day you're admitted, plus extras for outpatient surgery, ambulance rides, and skilled nursing. Most often paired with Medicare Advantage to cover its copays.
The Gaps a Hospital Indemnity Plan Fills
Medicare Advantage = the spaghetti. Hospital Indemnity / Copay Protection = the meatballs. Together, complete financial protection.
Hospital Stays
Most Advantage plans charge $350+/day for days 1–5 — totaling $1,750+ in copays per stay. The plan pays you cash to offset that.
Skilled Nursing (SNF)
Advantage plans often charge $217/day for days 21–100. That's $17,360 out of pocket. The plan pays daily cash directly to you.
Outpatient Surgery
Advantage plans charge $200–$500+ per outpatient procedure. Your benefit offsets what you owe.
Ambulance Rides
Advantage plans charge $200–$500+ per ambulance ride. The plan pays a fixed cash benefit per use.
Spend the cash on anything
These plans pay cash directly to you, not to the hospital. Use it for groceries, your spouse's gas to visit, your deductible, your dog walker — whatever you need. No receipts. No questions.
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
Book a Free Consultation →