Health coverage plans like Cancer, Heart & Stroke, Hospital Indemnity, and Recovery Care are designed to supplement Medicare or private insurance, not replace them. They help cover costs that traditional insurance often doesn’t, such as deductibles, copays, and recovery expenses.

This type of coverage provides a lump-sum cash benefit if you’re diagnosed with a covered condition. The money is paid directly to you and can be used for any expense—medical bills, travel, household costs, or anything else you need.

After a covered diagnosis, you receive a one-time cash payment. There are no restrictions on how the money is used, and you do not need to submit receipts or reimbursements.

Hospital indemnity insurance pays cash benefits when you are admitted to the hospital, even if you already have Medicare or private insurance. These benefits can help cover inpatient copays, deductibles, and other out-of-pocket costs.

Yes. Hospital indemnity coverage works alongside both Medicare Advantage and Medicare Supplement plans. It is designed to help fill gaps, regardless of which Medicare path you’ve chosen.

Recovery Care provides financial support for short-term nursing care and home healthcare after a hospital stay, illness, or injury. It’s meant to help during recovery—not as long-term care insurance.

Yes. Many clients choose to combine Cancer, Heart & Stroke coverage, Hospital Indemnity, and Recovery Care to create broader protection and help cover multiple gaps in traditional insurance.

Costs vary based on age, health, and coverage options, but these plans are generally designed to be affordable and predictable, especially compared to unexpected medical bills.