Helping clients and their families afford extended medical treatment in the St. Louis areaOne of the most daunting aspects of getting a grave medical diagnosis is the cost. At Senior Health Solutions, LLC, we don’t just help clients who are over 65. We also offer insurance options focused on the costs of cancer, critical illness and long-term care. In the US, medical bills lead to more people filing for bankruptcy than any other reason.
If you don’t have insurance and get a first-time cancer diagnosis, you may still qualify. Targeted insurance options, like cancer insurance, help families prevent overwhelming costs that could otherwise crush your finances.
How does hospital indemnity insurance work?Health insurance experts provide sound advice If you are hospitalized, the unexpected costs can be formidable. Perhaps – without knowing it – you have had tests that were not covered by your primary insurance, or, due to a high deductible, you owe a large amount of money after a hospital stay. To prevent such sticker shock, Senior Health Solutions offers hospital indemnity plans. Hospital indemnity insurance policies are designed to help with expenses not covered by your health insurance policy and some policies pay regardless of network Although the specifics vary from plan to plan, in general, they pay a lump sum to cover uncovered hospital bills and other medical expenses related to a hospital stay. Most plans cover both illness and accident-related emergency visits and admissions.
At Senior Health Solutions our job is to educate you. We provide you with a variety of products depending on your individual needs. Many clients come to us with questions. At your no-obligation, free appointment, we address:
SHS’s products cover hospital indemnity, critical care and cancer insurance as well as other kinds of financial products.
Costs and payment structure vary. We take your budgetary constraints into account and plan for your unique situation.
Each policy is different, but most policies target certain medically-related costs and post-operative care needs.
Insurance often pays a lump sum to you or a designated family member, but this varies from product to product.
Some products require health screenings or age parameters, many do not.
Understanding critical illness insuranceGenerally critical illness insurance offers lump-sum payouts for individuals with a serious illness diagnosis, which may require expensive, long-term care.
As policies, costs and coverage varies, our associates sit down and explain all your options clearly before choosing a critical illness insurance policy.