Hospital Indemnity
The original and most comprehensive product on the market. Advantage Plus Elite is designed to help cover out-of-pocket expenses in Medicare Advantage and other major health plans.
What is hospital indemnity insurance?
Brian Benedict Advantage Plus Elite Hospital Indemnity Insurance is designed to help manage the extra costs that can arise when Medicare Advantage or other health plans don’t cover everything. Many plans still leave members responsible for copays, coinsurance, and deductibles. Hospital indemnity coverage helps offset these expenses by providing added financial support during hospital stays or qualifying medical treatments, giving you greater peace of mind when unexpected healthcare needs occur.
What Makes Brian Benedict’s Hospital Indemnity Insurance Elite?
Unlimited Amount of Benefit Restoration
Benefits reset after each covered event, allowing you to continue receiving coverage without worrying about exhausting your benefits.
No Limits to Policy Lifetime Benefits Received
There is no maximum cap on the total benefits you can receive over the life of the policy, providing long-term financial protection.
Rates Don’t Increase
as You Age
Your premium remains the same as you get older, offering predictable costs and peace of mind over time.
Frequently Asked Questions
Do I need to have a Medicare Advantage plan to get this coverage?
There is no mandatory requirement of owning any other type of health insurance coverage to purchase GTL's Hospital Indemnity Policy.
How much Hospital Indemnity coverage should I purchase?
When determining the right amount of Hospital Indemnity coverage, it's advisable to align it with your primary health plan. While matching your coverage with current Medicare Advantage co-pays is a good starting point, many policyholders opt for additional coverage. This choice is often influenced by the potential for increasing co-pays over time. It's worth noting that securing coverage at your current age tends to be more cost-effective. Waiting to purchase additional coverage in the future may pose challenges due to potential changes in health circumstances.
Does the benefit for my Hospital Indemnity policy have to match the co-pays on my primary health plan?
No, Guarantee Trust Life does not coordinate benefits with any other insurance carriers. We independently determine and pay benefits based on the specific terms outlined in our policy. This flexibility allows you to customize your coverage according to your unique needs, without the requirement of aligning with the co-pays on your primary health plan or coordinating benefits with other insurers.
Where can I use my Hospital Indemnity coverage?
You may use your Hospital Indemnity benefits in all 50 states.
Hospital Indemnity Help
We’ll help connect you with an agent so you can get covered.
Ready to be prepared for unexpected medical costs? Connect with an agent and explore your coverage options today.