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Industry News

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Why Hospital Indemnity Plans Are the Perfect Complement to Medicare Advantage Plans

October 08, 20232 min read


Navigating the world of healthcare coverage can be daunting, especially as we age. With a myriad of options available, it's crucial to understand how different plans work and how they can complement each other. One such pairing that deserves attention is Hospital Indemnity Plans alongside Medicare Advantage Plans. This combination can offer comprehensive coverage and peace of mind, especially for those in their golden years.

The Gaps in Medicare Advantage Plans:

Medicare Advantage Plans, while comprehensive, have certain gaps. These plans often cover a range of medical services and supplies but may leave you with copayments, coinsurance, and deductibles. In times of unexpected hospital stays or specialized treatments, these out-of-pocket costs can accumulate rapidly, causing financial strain.

How Hospital Indemnity Plans Fill the Gaps:

This is where Hospital Indemnity Plans shine. These plans are designed to provide a cash benefit paid directly to you for each day you're hospitalized. This benefit can be used to cover the costs not paid by Medicare Advantage Plans, such as deductibles, copayments, or even non-medical expenses like transportation and lodging for family members.

Customizable Coverage:

One of the greatest advantages of Hospital Indemnity Plans is their flexibility. You can choose a plan that fits your specific needs and budget. Whether it's a higher daily benefit or additional coverage for services like ambulance rides or skilled nursing facility care, these plans can be tailored to your unique situation.

The Peace of Mind Factor:

Beyond the financial benefits, Hospital Indemnity Plans offer something invaluable – peace of mind. Knowing that you're covered in the event of an unexpected hospital stay can alleviate stress and allow you to focus on your recovery rather than worrying about financial burdens.

Expert Guidance:

Understanding the nuances of these plans can be complex. That's why it's beneficial to seek guidance from experts who can help you navigate your options and find the best coverage for your needs. Brian Penner is a knowledgeable professional in this field, ready to assist you in making informed decisions about your healthcare coverage.


In conclusion, combining Hospital Indemnity Plans with Medicare Advantage Plans can provide a robust safety net, ensuring that you're well-prepared for any medical contingencies. With the right plan in place, you can enjoy your retirement years with the assurance that you're fully protected.

Contact Information:

For a deeper understanding of how these plans can work for you, and to explore your options, reach out to Brian Penner at 435-260-5156. His expertise can guide you towards making the best choice for your healthcare needs.

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Brian Penner

Insurance Broker

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Moab, UT

Located Inside:

Central Utah Insurance Agency

880 S Main St

Moab, UT 84532

Grand Junction, CO

Located Inside:

Western Colorado Wealth Management Consultants

627 24 1/2 Road UNIT H

Grand Junction, CO 81505

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