Plans & Coverage
Hospital Indemnity Insurance
Hospital indemnity insurance pays you a fixed cash benefit for covered hospital stays, which you can use for the daily copays a Medicare Advantage plan charges, plus travel, meals, or anything else. It's a popular way to soften the out-of-pocket exposure of an Advantage plan.
Who it's for
If your Advantage plan charges per-day hospital copays, a hospital indemnity policy can offset them with cash paid directly to you. We help decide if it makes sense for your plan.
Questions, answered
How is hospital indemnity different from Medigap?
Medigap pays providers for Original Medicare's gaps. Hospital indemnity pays YOU a set cash amount for covered stays — often paired with a Medicare Advantage plan.
Talk to a local La Crosse area advisor
Free, no pressure — we compare your options for you.