hospital indemnity insurance

A hospital stay shouldn't wreck your budget too.

Medicare doesn’t cover every cost of a hospital stay. This coverage pays you a fixed cash benefit for every day you’re admitted — money you can put toward anything, not just the hospital bill.

what is it?

A safety net for the costs Medicare leaves behind

Even with Original Medicare or a Medicare Advantage plan, a hospital stay can come with real out-of-pocket costs — deductibles, per-day copays after an extended stay, transportation, or a spouse staying nearby while you recover.


Hospital Indemnity insurance is a low-cost supplemental policy that pays you a fixed cash amount for every day you’re in the hospital, no matter what your other insurance already covers. It’s not a replacement for Medicare — it’s a cushion underneath it.

Paid in cash, directly to you

Works with any hospital — no networks

A cushion underneath your existing Medicare plan

what's included

What this coverage typically offers

Daily Cash Benefit

A fixed cash amount for every day you’re admitted to the hospital.

Paid Directly to You

Use it for medical bills, travel, groceries, or anything else you need.

Works With Any Hospital

No networks or referrals to worry about.

Optional Add-On Benefits

Ambulance, ER visit, and ICU benefits can often be added.

Simple to Qualify

Many plans are available with little to no medical underwriting.

Affordable Premiums

Priced to fit alongside the Medicare coverage you already have.

Google Reviews

What neighbors are saying

other ways i can help

Not quite what you needed?

New to Medicare

Turning 65, or qualifying early through disability? I’ll walk you through every option before you sign anything.

Medicare Advantage (Part C)

One plan that bundles your hospital, medical, and often drug coverage. Let’s compare what’s actually available here in Richmond.

Medicare Supplement (Medigap)

Want the freedom to see any doctor who accepts Medicare, with fewer surprise bills? Let’s see if a Supplement plan fits your budget.

Annual Plan Review

Coverage changes every year — yours should be reviewed just as often. Every fall, during Medicare’s Annual Enrollment Period, I sit down with my clients and make sure their plan still fits.

Frequently Asked questions

Questions people ask about this coverage

Does this replace my Medicare coverage?

How is the benefit paid?

Do I need to be in good health to qualify?

Can I use it at any hospital?

Does it cost anything to find out if this fits your situation?

Let’s find your plan — together.

No call centers, no confusing forms. Just a real conversation with someone who knows Medicare and knows Richmond.

369 Big Hill Ave., Richmond, KY ·  (859) 285-7600