Hospital Indemnity Insurance - If you have Medicare Advantage Insurance (MAPD), you will have a plan that provides reasonable preventative coverage but often has significant copays for hospital stays, outpatient procedures and ambulances.
Depending on the plan you have, your hospital copay could be several hundred dollars - or it could be hundreds to thousands of dollars out of your pocket each year.Outpatient and Ambulance copays vary extremely from company to company. It is not unusual for each of these to cost hundreds of dollars.
If a sudden out-of-pocket medical expense like this might wreak havoc on your finances, then reviewing Hospital Indemnity Insurance plans might be a smart idea.Typically, for a small monthly premium, these policies can protect you from expensive out-of-pocket surprises.
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