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Medicare 101
30
Years of
Experience
Hospital Indemnity
I assume you have been doing your research and you have discovered that while Medicare is great it doesn't cover everything. So where does this leave you? Should you or your spouse experience a serious longer term health event there are a whole bunch of expenses that you will have to dig deep to cover such as;
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In 2022, the average cost was between $2,383 to $3,167 per day
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Travel, lodging, and food.
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Childcare
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Mortgage or rent
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Additonal physical therapy or treatments.
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Lab work, prescriptions, copays and deductibles
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Loss of work income
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And whatever else piles up on you?
How can Hospital Indemnity insurance benefit you?
It provides financial protection by paying out a lump sum cash benefit that can help cover the costs associated with a hospital stay. This can be particularly valuable if you have a high-deductible Medicare plan, as it helps bridge the gap between what the Medicare plan covers and your actual out-of-pocket costs.
Now wait-a-minute did you catch who gets paid the money? It’s YOU not the hospital, or the doctor or the lab company, or whichever other medical professionals that have their hands out. NO, the check comes to you. Yes, you will use a chunk of these funds for those additional medical fees not covered by Medicare but all the rest of the expenses that hit you in your wallet can also be softened with the money from your Indemnity
insurance.
Furthermore, Hospital Indemnity insurance is generally affordable and easy to understand. It’s a straightforward way to provide yourself a safety net if you or your spouse faces an unexpected hospitalization. A valuable addition to consider to tighten up your healthcare coverage and protect your future retirement income.
Turning 65 Soon?
Turning 65
There are a few considerations to keep in mind before you enroll in a Medicare plan.
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Familiarize yourself with the different parts of Medicare A, B, C, and D. and understand what each part covers.
Familiarize yourself with the different parts of Medicare A, B, C, and D. and understand what each part covers.
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Determine when to enroll to avoid late penalties and coverage gaps.
Determine when to enroll to avoid late penalties and coverage gaps.
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Research and compare different Medicare plans to find the best fit for your health and financial situation.
Research and compare different Medicare plans to find the best fit for your health and financial situation.
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Understand how Medicare interacts with other insurance coverage, such as employer plans or Medicaid
Understand how Medicare interacts with other insurance coverage, such as employer plans or Medicaid
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Do a forward looking assessment of your healthcare needs and consider whether adding additional coverage such as Medigap or Medicare Advantage plans would be a benefit.
Do a forward looking assessment of your healthcare needs and consider whether adding additional coverage such as Medigap or Medicare Advantage plans would be a benefit.
Meet the team
About Us
We have been guiding seniors with their Medicare needs for over 3 decades. We currently represent many A-rated carriers such as Aetna, Blue Cross Blue Shield, Cigna, Mutual of Omaha and United Healthcare. Over the years we have been able to help our clients navigate the ever-changing Medicare market. We take pride in achieving 100% client satisfaction.
TESTIMONIALS
What our customers are
talking about
Taryn B
I have trusted Robert with all of my Medicare Supplemental Insurance needs for many years, and I will continue to recommend him to anyone in need of insurance coverage.
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"I have been a satisfied client of Robert Schwab for over 10 years now, and I couldn’t be happier with the service and coverage he provides. His team of experts have over 40 years of experience selling Medicare Supplemental Insurance, and their knowledge and expertise shine through in every interaction.
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"I have been working with Robert Schwab for over 15 years now and I can confidently say that he is one of the very best in the business when it comes to selling Medicare Supplemental Insurance. His team is extremely knowledgeable about the industry and always goes above and beyond to find the best coverage options for their clients.
