Critical Care & Indemnity Insurance
Health insurance and Medicare plans cover a lot, but there are always out-of-pocket costs that insurance cannot cover. This is why Adams Insurance Services, LLC helps provide clients additional insurance plans for critical care, long-term care, and indemnity situations.
Hospital Indemnity Insurance Plans
What is hospital indemnity? This type of policy helps cover the out-of-pocket costs that your regular health insurance cannot cover. Hospital indemnity plans will pay a cash benefit that helps cover ambulance, co-pays, deductibles, co-insurance, hospital stays, and anything else that might not be covered.
Cancer Insurance Policy
In addition to your other insurance, cancer indemnity insurance will help cover the expenses associated with treating cancer. Like hospital indemnity insurance, cancer insurance will pay a cash benefit directly to you and can be used however you need. The cash from the cancer insurance policy can be used to cover hospital stays, surgery, anesthesia, additional doctor opinions, chemotherapy, prescriptions, hospice care, outpatient visits, and travel costs.
Critical Care Insurance
When illness strikes, the out-of-pocket costs and time off work can be detrimental to your finances. Having a critical illness plan will help keep you covered to pay for those expenses. A monthly cash amount is issues to cover medical bills with additional benefits paid if you have to enter a nursing home or assisted living facility at the end of your care.
Long Term Care Health Insurance
Much like critical care insurance, a long term care policy provides a daily cash benefit to cover costs of health care services that are provided in an assisted living facility, a nursing home, or an at-home nurse. The difference between long term health care and critical care insurance is two-fold. For critical care, you are provided a monthly lump sum to cover hospital and medical bills for a prolonged illness. For a long term care insurance policy, you are giving a daily amount to cover costs associated with needing daily nurse or doctor assistance.
Get A Quote for Care & Indemnity Insurance
Please use the form to submit information and receive a personalized quote! You can also give us a call at 816-265-0859 to speak with Jeffrey Adams or Paula Adams about the different types of plans available and advice on the best Care & Indemnity Insurance Plan for your lifestyle.