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Medicare Advantage and Hospital Indemnity Insurance

  • Medicare with Melissa

Medicare Advantage and Hospital Indemnity Insurance plans go together like peanut butter and jelly. Ham and cheese. Ketchup and Mustard. You get the point.

(Medicare Part C) Medicare Advantage Plans offer great coverage and extra benefits Medicare doesn’t cover. So, what do you need another insurance plan for?

To answer that question, we need to better understand what Medicare Advantage plans cover.

What do Medicare Advantage Plans Cover?

By law, Medicare Part Advantage plans must cover, at minimum what Medicare covers. In most cases, these Medicare insurance plans include additional benefits that Original Medicare doesn’t cover.

Some examples of additional benefits with Medicare Advantage Plans include:

  • Prescription Coverage
  • Dental, Vision and Hearing Coverage
  • Money back in your social security check
  • Flex Card
  • Healthy Food Card
  • Over the counter credits
  • Transportation and much more!

Not all plans include all benefits. It’s important you speak with a licensed agent that can help determine if you are eligible for additional benefits with plans in your zip code. Call us today at 866-633-4427 and within minutes you will have your answer!

You can also compare 2023 Medicare Advantage plan online, click here.

Am I covered at the hospital with a Medicare Advantage Plan?

Yes, you will have coverage when you go to the hospital with a Medicare Advantage Plan. The cost you pay will vary greatly by the type of Medicare Advantage Insurance Plan you have.

In some areas of the country, there are over 100 plan options in just one county.

If you have a Medicare Advantage HMO plan, you will likely pay much less for your hospital admission than a Medicare PPO plan.

In general, and for example purposes only, see cost comparison below.

As you can see, even with a Medicare Advantage plan, you could pay up to, and in comes cases more than $1,500 per hospital stay. This is where the hospital indemnity plans will save the day and help protect your savings! Read more about HMO vs PPO here.

What is a Hospital Indemnity Insurance Plan?

Hospital Indemnity Insurance provides a cash benefit to the policy holder upon admission into a hospital. This cash can be used for whatever you see fit, there are no restrictions.

Some hospital indemnity plans offer additional riders (benefits), like paying cash for:

  • Ambulance transportation
  • ER Room
  • Primary Care
  • Outpatient Procedures, and more.

Hospital plans can be purchased for anyone over the age of 18. Health underwriting is required to qualify for the plan. Do NOT wait until you are in the hospital to purchase this cover, it will be too late.

Do I need hospital indemnity insurance with my Medicare plan?

Yes, it’s our opinion that our Medicare Advantage clients should consider having a hospital plan with the Part C plan.

Hospital indemnity insurance plans are very affordable and start around $30 per month.

Here are some reasons to consider a hospital indemnity insurance plan with your Medicare Advantage plan:

  • Helps cover the daily copay gap in your Medicare Advantage plan
  • 38% of hospital admissions are people aged 65 and older
  • Leading cause of hospital admission is falling, resulting in injury
  • Average age of first heart attack in men is age 65 and females, age 72
  • Heart Attacks are one of the most expensive conditions treated in the hospital

Best Hospital Indemnity Insurance Plans

There are several companies offering Hospital Indemnity Insurance Plans. While most do perform the same, some do seem to provide a bit better customer service, quicker to pay the member, etc.

Our team of agents can provide you quotes with the best companies offering hospital indemnity insurance.

Prices start around $30 per month. Call now, 866-633-4427.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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