Hospital Indemnity Insurance in Ladera Ranch, California
Hospital Indemnity Insurance
In Ladera Ranch, California
In Ladera Ranch, California
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WHAT IS HOSPITAL INDEMNITY INSURANCE IN Ladera Ranch?
Hospital indemnity insurance complements your existing health insurance plan by paying you cash benefits when you’re hospitalized due to covered accidental injury or sickness.
Why hospital indemnity insurance in Ladera Ranch? Ladera Ranch, California
The average cost of a 3-day hospital stay is around $30,000.¹ If you require hospitalization, all your expenses may not be covered by private insurance or Medicare. Out-of-pocket expenses, including deductibles and co-pays, are growing—meaning you may be responsible for more of the hospital bill.
Hospital indemnity insurance plans provide payment in the event of a hospital stay, in addition to any other coverage you receive, including Medicare. As a result, the cash benefits can help reduce any financial stress during your time of need.
Hospital indemnity insurance plans provide payment in the event of a hospital stay, in addition to any other coverage you receive, including Medicare. As a result, the cash benefits can help reduce any financial stress during your time of need.
Daily hospital stay—Paid per day of inpatient hospital stay for days one through 31 per one period of hospital confinement.²
Paid per day of inpatient hospital stay for days one through 31 per one period of hospital confinement.²
Intensive care unit—Payable per day of hospital admission in a hospital ICU. Payable only when the daily hospital stay is payable.
Payable per day of hospital admission in a hospital ICU. Payable only when the daily hospital stay is payable.
Observation room—Payable per day of admission for up to three days per calendar year when you receive certain services in a hospital observation room for at least 12 hours.
Payable per day of admission for up to three days per calendar year when you receive certain services in a hospital observation room for at least 12 hours.
Optional rider (offered at an additional cost) in Ladera Ranch, California
Enhance your hospital indemnity insurance coverage with our optional rider. This rider pays benefits to help cover the out-of-pocket costs of hospital admissions, emergency room visits and ambulance trips. The optional rider is offered at additional cost and can help lessen your family’s financial burden in the event of hospitalization.
Paid once per calendar year on the first day you are admitted into the hospital for an inpatient stay.
Payable per visit to an emergency room,³ up to a maximum of two visits per calendar year.
Payable for up to two trips per calendar year to an emergency room only.
Product features in Ladera Ranch, California
Renewability for life
Your policy will remain in force for life if you pay the required premiums⁴ on time.
Flexibility
Because cash payments are paid directly⁵ to you, you have no restrictions on how you use your benefit payments.
Portability
Allows you to keep your policy, even if you change jobs, move to a new state, retire, or go on Medicare.
Learn how you can prepare for long-term care needs in Ladera Ranch, California
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Policies are underwritten by Bankers Life and Casualty Company, except policies issued in New York, which are underwritten by Bankers Conseco Life Insurance Company.
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About Bankers Life in Ladera Ranch, California
Bankers Life in Ladera Ranch, California is here to help you build a plan that provides security and peace of mind. With Medicare Supplement insurance, life insurance, long-term care insurance, supplemental health insurance and annuities, we can help you plan for medical expenses, protect your life savings, provide for your loved ones and more. Visit us at our Ladera Ranch, California location, or contact us at (888) 525-8019. Get a quote today!
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