What is Health Benefit Insurance [Hospital Indemnity]? - Agile Health Insurance

01:18 Dec 1, 2020 1 1

What is a Hospital Indemnity Insurance Plan?   Health Benefit Indemnity insurance (HBI) is an affordable health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, HBI pays a set fee, directly to you or a provider designated by you. HBI is designed to be used in connection with your major medical insurance and HBI also can include supplemental medical insurance coverage for critical illnesses or accidents, as well as supplemental non-insurance services such as telemedicine, insurance advocacy, and pharmacy.   How do Hospital Indemnity Insurance Coverage Plans Work?  HBI, also known as Limited Medical Insurance offers "first dollar coverage", which provides you more flexibility for managing expenses related to health care, such as the copays required by your major medical insurance for your hospital visit, or even lost wages for the time you were hospitalized.  With HBI insurance when you experience a covered medical event requiring doctor or hospital services, the insurance company makes a fixed cash payment to you or a designated provider. You decide how to spend or save the benefit.   Hospital Indemnity Insurance Plan Benefits  Health benefits insurance have many advantages including: Payments for accidents and critical illnesses without a copay or deductible Low monthly premiums starting at $39.95/mo for a 30 year old. Coverage continuity even if you lose your major medical insurance  Health Benefit Indemnity Insurance May be the Right Choice if:  -You are looking for the flexibility of direct-to-you benefit payments. -You want to add an extra layer of insurance that supplements your major medical plan.  Join the smart shoppers who have decided to get a HBI insurance plan and protect yourself from the financial costs of an unexpected doctor or hospital visit.   Do you have a high deductible or worry about expensive out of pocket costs in your health insurance policy?   Health Benefit Indemnity insurance can help by providing a cash reimbursement!   For example: if you have a hospital stay, you’ll have a copayment, deductible, and  coinsurance to pay for before your major medical policy kicks in. Or you may experience lost wages while you’re hospitalized, or have to pay for a relative’s travel to help you while you’re hospitalized.   Health benefit indemnities offset those costs.   There shouldn’t be any surprises to what you’ll be reimbursed for since it’s a set amount based upon a specific medical event. With a Health Benefit Indemnity, you get to choose how to use your reimbursement. You can pay it directly to your provider or you can use it to defray personal expenses.  Health Benefit Indemnity plans can also include supplemental medical insurance for accidents or critical illnesses, as well as other services including telemedicine or pharmacy discount plans.   HBI insurance allows you flexibility and freedom to receive medical treatment anywhere in the country because there’s no network.   Remember, they are not designed to be used in place of major medical insurance, but to provide additional financial help for the out of pocket costs from your policy.  Please visit https://www.agilehealthinsurance.com/... to learn more and https://www.agilehealthinsurance.com/ for more information on your health insurance options.   Follow us on social!  Facebook: https://www.facebook.com/AgileHealthIns Twitter: https://twitter.com/AgileHealthIns LinkedIn: https://www.linkedin.com/company/agil...  ACA DISCLAIMER  HEALTH BENEFIT INDEMNITY INSURANCE (HBI) IS NOT MAJOR MEDICAL INSURANCE; IT IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE. IT IS NOT AVAILABLE IN CERTAIN STATES SUCH AS NEW JERSEY. IT DOES NOT COVER PRE-EXISTING CONDITIONS AND DOES NOT, STANDING ALONE MEET THE MINIMUM ESSENTIAL COVERAGE UNDER THE AFFORDABLE CARE ACT. IF YOU DO NOT HAVE ACA-COMPLIANT INSURANCE, YOU MAY BE SUBJECT TO THE ACA'S SHARED RESPONSIBILITY TAX (THE 2017 CONGRESSIONAL TAX REFORM ACT DOES NOT ELIMINATE THIS TAX UNTIL 2019). TO LEARN MORE ABOUT THE TAX AND ITS EXEMPTIONS, SEE https://www.agilehealthinsurance.com/health-insurance-learning-center/term-health-insurance-obamacare-uninsured-tax. 

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