🏥 Hospital Indemnity Insurance: Your South Carolina FAQ Guide

If you’ve ever wondered how to cover the gaps in your Medicare Advantage plan—especially during a hospital stay—this guide is for you.

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1. What is hospital indemnity insurance?

Hospital indemnity insurance is a supplemental policy that pays you a fixed cash benefit when you're admitted to a hospital. It’s designed to help cover out-of-pocket costs like deductibles, copays, transportation, and lost income.

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2. Why would I need it if I already have Medicare Advantage?

Most Medicare Advantage plans have daily copays for inpatient hospital stays—often $200–$350 per day for the first 5–7 days. Hospital indemnity insurance can reimburse you for those costs, helping you avoid surprise bills during recovery.

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3. How much does it pay?

Plans typically pay a daily benefit (e.g., $250/day for up to 10 days), and some offer additional payouts for:

• Ambulance rides
• Skilled nursing facility stays
• Outpatient surgeries

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4. Is it expensive?

Not usually. Premiums in South Carolina range from $20–$50/month, depending on age, benefit level, and optional riders. Many Midlands residents find it affordable compared to the potential hospital costs.

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5. Who is eligible?

Most carriers accept applicants aged 50–85, with simplified underwriting. You don’t need to be in perfect health, but pre-existing conditions may affect eligibility or waiting periods.

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6. Can I use it with Medicaid?

Yes, but it’s most useful for those who don’t qualify for full Medicaid and still face out-of-pocket costs. If you’re dual-eligible, we’ll help you weigh whether it’s worth adding.

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7. How do I file a claim?

You submit proof of hospital admission—usually a discharge summary or billing statement—and receive a check directly. It’s cash you control, not a reimbursement to the hospital.

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8. Is this available in Lexington, Columbia, and the Midlands?

Absolutely. We work with top carriers offering hospital indemnity plans across South Carolina, and we tailor recommendations based on your Medicare Advantage coverage and budget.

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9. How do I know if it’s right for me?

If you’re on a Medicare Advantage plan and want peace of mind for hospital stays, let’s review your current benefits and run a quick gap analysis. We’ll show you exactly what a hospital visit could cost—and how indemnity coverage could help.