Critical Illness & Hospital Indemnity Insurance

No matter which Medicare plan you choose, we always recommend umbrella coverage to give you added peace of mind and protect you from large, unexpected medical bills.

Protection When You Need It Most


No one expects to be diagnosed with a life-threatening illness or find themselves suddenly admitted to the hospital. But when the unexpected happens, it can shake every aspect of your life—physically, emotionally, and financially.


Even with a strong health insurance plan, you may still face high out-of-pocket expenses, from deductibles and copays to lost wages and unexpected travel costs. That’s where supplemental insurance coverage can make a world of difference.


Critical Illness Insurance and Hospital Indemnity Plans are designed to provide you with financial security and peace of mind during some of life’s most challenging moments. These plans offer cash benefits paid directly to you, giving you the flexibility to use the funds however you see fit—whether it’s for medical expenses, daily living costs, or simply to take some financial pressure off while you recover.

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What Is Critical Illness Insurance?


A diagnosis like cancer, heart attack, or stroke can be life-changing—not only emotionally and physically, but financially as well. Critical Illness Insurance provides a lump-sum cash benefit when you’re diagnosed with a covered serious condition. This money goes directly to you, giving you the flexibility to use it however you need—whether that’s for medical bills, everyday living expenses, or to cover time away from work.


Unlike traditional health insurance, which typically pays doctors and hospitals directly, this benefit is yours to use without restrictions. Whether it helps pay for treatments your plan doesn’t fully cover, travel to a specialized facility, or simply keeps your household running while you focus on recovery, this coverage is designed to provide real support during tough times.


Covered illnesses often include:


  • Cancer (invasive and non-invasive)


  • Heart Attack


  • Stroke


  • Other serious conditions depending on your policy



Why It Matters


Health insurance can leave significant gaps. Deductibles, copays, and non-covered services can add up quickly—and financial stress is the last thing you need during a health crisis. Critical Illness Insurance helps bridge that gap with a one-time payment that arrives when you need it most. It’s about peace of mind, knowing that if the unexpected happens, you have a financial cushion to help you through.



Hospital Indemnity Insurance


Support for Unexpected Hospital Stays

Even a short hospital stay can bring unexpected costs and disruptions to your life. Hospital Indemnity Insurance provides a simple way to offset those costs by offering cash payments tied to hospital admission and the number of days you stay.


If you’re admitted to the hospital for a covered illness or injury, you’ll receive a payment—often a set amount for admission and an additional amount for each day you’re hospitalized. You can use this money however it helps most: to cover deductibles, transportation, hotel stays for family, or just to stay on top of your regular bills while you recover.



Why It’s Helpful


Most people aren’t financially prepared for the surprise costs that come with hospitalization. Even with good health coverage, there are often extra expenses that can strain your budget. Hospital Indemnity Insurance is a simple, affordable way to give yourself added financial protection and peace of mind—so you can focus on getting better, not on how to pay for it.