Is Hospital Indemnity Insurance Right For You?
Medical insurance is designed to cover the cost of basic care: a visit to the doctor here, a test there, prescriptions, and necessary hospital procedures. As you age, the likelihood of a major health crisis increases. For instance, your risk of cancer increases dramatically. Additionally, your risk of heart attack, stroke, or another acute episode, which may cause long-term hospitalization also increases. In the moment when you need it most, you and your family should not have to worry about your basic medical insurance coverage.

Tragically, many individuals and families later discover that numerous hospital costs were not covered through their basic insurance. Government-provided insurance programs like Medicare and Medicaid are notorious for not always covering the full cost of care and the full range of medical services and equipment.  Even when hospital systems try to work with patient on high bills, the results are mixed. Therefore, it is unsurprising that the most likely cause of personal bankruptcy in the U.S. is medical costs. For these reasons and more, many seniors look to hospital indemnity insurance coverage so that they are not the victim of both a health and financial crisis.

Whether hospital indemnity insurance is right for you is a very personal question. You must examine the risks previously referenced for acute episodes like heart attack and stroke. You must examine whether you have a family history of cancer. Perhaps you already have identified current health issues which will likely lead to complications and long hospitalizations in the future. Further, you have to examine your financial health and determine how much cash you have on hand to pay uninsured hospital expenses.  Once you examine these factors, you will be in a far better position to determine whether you need hospital indemnity insurance.

The hospital indemnity insurance professionals at Senior Health Solutions, LLC help seniors in the St. Louis, Missouri and Tri-State area learn more about hospital indemnity insurance and help them determine if this coverage is right for them. You do not have to suffer from poor finances because of poor health. Complete your coverage by contacting Senior Health Solutions, LLC today. Contact us by phone at (636) 244-4415 or online . If you cannot come to us, we can come to you.


Important Information
How to enroll into Medicare
We can help you find a Medicare plan in your area to fit your needs. Once you decide on a plan we can walk you through the Medicare enrollment process.
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How much is the cost?
These are the basic costs for people with Medicare. If you want specific cost information (like whether you've met your deductible, how much you'll pay for an item or service you got, or the status of a claim)
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Do my doctors accept these plans?
Use this helpful link on the Medicare and Medicaid Services (CMS) website to find and choose Physicians and Other Healthcare Professionals enrolled in the Medicare program, as required by the Affordable Care Act (ACA) of 2010.
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What to do if you don't want a part D
If you want to drop your Medicare Prescription Drug Plan (Part D) and you don't want to join a new plan, you can do so during the Open Enrollment Period, between October 15–December 7 each year. The change goes into effect January 1 of the following year.
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Keeping your work benefits
Employer or union health coverage refers to health coverage from your, your spouse's, or other family member's current or former employer or union.
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Medicare - Advantage Plans
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
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