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We Shop the Nation’s Top Networks to Find Your Best Rate. As an independent health and life insurance agency, we work for you—not the insurance companies.(Tampa area for in office, phone and zoom for out of area.)
Supplemental Health Plans
Hospital Indemnity Plans
Indemnity Plans: A Great Way to Address Gap Costs
Chances are, your health insurance plan leaves you with out-of-pocket expenses. Whether you are covered by individual health insurance, group medical insurance or Medicare, co-pays and deductibles are a reality.
Hospital Indemnity Insurance can provide gap coverage to help offset these expenses. This type of insurance can pay you a daily benefit. The money can be used to help with hospital co-pays, or it can be used to help with incidental expenses not covered by your medical insurance.
Some policies may pay you additional benefits beyond inpatient hospital stays such as:
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Ambulance Trips
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Skilled Nursing Facility Visits
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Outpatient Surgery
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Durable Medical Equipment (DME)
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And more ancillary benefits
Critical Illness Insurance
How Critical Illness Health Insurance Coverage Plan Can Work For You
Are you financially prepared for a Critical Illness? Unfortunately, most are not. Too many people discover that after a critical illness diagnosis, their primary health insurance is inadequate, resulting in a large financial burden directly on yours shoulders.
The main objective of Critical Illness insurance is to reduce financial stress. These policies pay cash benefits upon the diagnosis of a covered condition. This money can be used for anything. Whether it’s to pay for out-of-network medical costs, experimental treatment not covered by conventional health insurance or to pay your mortgage - you decide how to use the money, not the insurance company.
Beyond the most commonly occurring critical illness such as Cancer, Heart Attack and Strokes, today’s typical plans cover a broad range of critical illnesses such as:
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Alzheimer’s Disease
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Heart Attack
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Kidney Failure
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Blindness
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Coma
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Paralysis
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Parkinson’s Disease
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Cancer
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Major Organ Transplant
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Stroke
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HIV/AIDs
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Brain Tumor
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Coronary Artery Bypass