This type of insurance provides a one-time, tax-free cash payment if you’re diagnosed with a covered condition such as:
– Cancer
– Heart attack
– Stroke
These benefits are paid directly to you, not to your doctors or hospitals, giving you the flexibility to use the money however you need—whether it’s for treatment, travel, lost income, or household expenses.
While coverage varies by plan, most policies pay a lump-sum benefit upon the first diagnosis of:
– Internal cancer or malignant melanoma
– Heart attack (myocardial infarction)
– Stroke (including certain ischemic and hemorrhagic strokes)
Additional coverage options may include:
– Recurrent diagnosis benefits
– Additional payouts for multiple events
– Optional riders for other critical illnesses or hospital stays
Some plans even offer partial benefits for certain early-stage conditions or coronary procedures.
Even with Medicare Advantage, a serious illness often leads to out-of-pocket costs such as:
– High hospital copays and deductibles
– Costs for out-of-network or specialized care
– Travel expenses to treatment centers
– Loss of income for you or your caregiver
This insurance helps you bridge the financial gap, so you can focus on getting well—without the added stress of bills. It’s especially valuable for those who want cost certainty and control during a health emergency.
Most individuals aged 65+ are eligible to apply. There is no need to wait for Medicare’s Annual Enrollment Period, and in many cases:
– No medical exam is required
– A simple health questionnaire may be part of the application
– You can select from a range of benefit levels to match your needs
It’s ideal for those with a family history of cancer or cardiovascular issues, or anyone seeking added peace of mind.
Premiums vary based on age, health, benefit amount, and state. Plans typically start at around $15 to $50 per month, depending on the amount of coverage selected (commonly between $5,000 and $30,000).
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Wed, Oct 09, 2024
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