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HOSPITAL INDEMNITY

Medicare doesn't cover everything. This plan fills the gap.

Hospital indemnity plans pay you a fixed cash benefit when you're admitted, helping cover deductibles, copays, and everyday bills. Evergreen Advisors Ltd. walks you through the options in Erie.

WHAT IT COVERS

Coverage for hospital stays, copays, and more

A hospital indemnity plan helps fill the gaps in your Medicare by paying you a fixed cash benefit for each day you're in the hospital. Use it for your copays, coinsurance, ambulance rides, or anything else — no strings attached.

KEY FEATURES

Hospital indemnity plans made simple

No medical questions for most applicants, rates that have not gone up since 2005, and a straightforward application. Here is what you get with a plan from Evergreen Advisors Ltd.

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Easy application

Fill out a short form with no underwriting questions for most people aged 64½ to 75.

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Rates locked since 2005

Premiums have not increased in over 15 years. You get predictable, stable coverage.

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No medical exam required

You do not need to pass a physical or answer detailed health questions to qualify.

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Cash paid directly to you

Get a fixed cash benefit for hospital stays, surgery, or ER visits. Use it however you need.

Real people

What makes Our Hospital Indemnity Insurance elite?

Hospital indemnity plans are designed for folks who want a little extra financial cushion when the unexpected happens. These are the people we work with — neighbors, retirees, veterans.

Stopwatch icon on green background with text Base Benefits Kick in After 6 Hours.
Green graphic with a prohibited medical cross stating no hospital stay required for ER benefits.
White thumbs-up icon and text Surprisingly Affordable Rates on a green and yellow background.
White calendar icon and text "Unlimited Amount of Benefit Restoration" on dark green background.
Hand holding dollar coin icon with text No Limits to Policy Lifetime Benefits Received.
Green graphic with a white checkmark and text: Rates Don't Increase as You Age.
Document icon with pen and text 'Simplified Underwriting with Instant Approval' on green background.
Stopwatch icon on green background with text Base Benefits Kick in After 6 Hours.
Green graphic with a prohibited medical cross stating no hospital stay required for ER benefits.
White thumbs-up icon and text Surprisingly Affordable Rates on a green and yellow background.
White calendar icon and text "Unlimited Amount of Benefit Restoration" on dark green background.
Hand holding dollar coin icon with text No Limits to Policy Lifetime Benefits Received.
Green graphic with a white checkmark and text: Rates Don't Increase as You Age.
Document icon with pen and text 'Simplified Underwriting with Instant Approval' on green background.
YOUR COVERAGE

How does an Indemnity plan help cover out-of-pocket expenses?

Senior woman watching an insurance explainer video on her phone

Dorothy's highly rated Medicare Advantage Plan has a $300 per day inpatient hospital co-pay for days 1 through 6

Great News! Dorothy's inpatient hospital benefits restore an unlimited amount of times after 60 days without hospital confinement, so she may use her hospital confinement indemnity coverage again in the future!

Give us a call and we'll walk you through your options, plain and simple. No pressure, just honest advice from a local Erie agent.