Get Peace of Mind with Protection Plans
Get coverage for the gaps found in medical plans.
Help Covering Costs in Times of Need
No one plans to get sick or have an accident, but being prepared is smart. Protection plans, which are supplemental insurance, work independently of a health plan or other medical plans, and the cash benefit is paid directly to you, allowing you to choose how to spend the money, such as on housing, groceries, or transportation. Enroll anytime!
Protection plans
Hospital Indemnity Insurance
Pays a daily cash benefit for hospital stay, emergency room visit, ambulance ride and other expenses that may not be covered by primary health insurance.
$2,883: Average daily cost of an inpatient hospital stay in 20221
Accident Insurance
Pays a cash benefit up to $15,000 for services resulting from an accident.
3 million: The number of older adults hospitalized from a fall in 20232
Cancer Policy
Helps cover costs of cancer screenings, treatments, procedures, and surgery.
57% of cancer diagnoses occur in people over 653
Medical plan enhancements
Dental, Vision, and Hearing Plans
Reduces the expense of care not covered by your primary health insurance.
93% of adults over 65 use glasses6
Specific needs plans
Legal Services
Access to legal assistance through a network of more than 2,000 lawyers to cover will or estate planning expenses. Most services are covered at 100% or at a steep discount.
1 in 3 people over 70 do not have a will or trust7
Life Insurance
Guarantees a lump sum benefit payment to your beneficiaries upon death or upon qualification for home healthcare to help cover burial cost, medical debt, or other expenses.
$7,848: Median cost of a funeral in 20238
International Medical Insurance
Covers hospitalization, emergency rooms, trip interruption, and identity theft while traveling in a foreign country. Health plans provide limited coverage outside of the U.S.
Up to 60% of travelers have experienced health problems during travel4
Critical Illness Insurance
Provides cash benefit for such medical emergencies as a heart attack, stroke, and cancer, or for specialized treatments or experimental procedures not covered by insurance.
Nearly 75% of all strokes occur in people over 655
Home Care Insurance
Provides cash benefit paid out for up to a year once daily activities diminish to help pay the expenses of aging in place.
70%+ people over 65 will need some long-term care services and support9
Insurance for End-of-Life Expenses
Covers cost of funeral arrangement, burial, and other related expenses.
73% of Americans are $62,000 in debt at the end of their life10
Short-Term Health Insurance
While not a Protection plan, short-term health insurance can fill the medical insurance gap between enrollment periods or if you’ll be Medicare-eligible soon.
1. nchstats.com/average-cost-of-hospital-stays-in-us/
2. journalistsresource.org/health/accidental-falls-in-the-older-adult-population-what-academic-research-shows
3. webmd.com/cancer/cancer-incidence-age
4. pmc.ncbi.nlm.nih.gov/articles/PMC6042459/#CR12
5. pmc.ncbi.nlm.nih.gov/articles/PMC6535078
6. ncbi.nim.nih.gove/pmc/articles/PMC614972/
7. usatoday.com/story/money/personalfinance/2023/10/03/fewer-older-americans-are-writing-wills-planning-estates/
8. nfda.org/news/statistics
9. acl.gov/ltc/basic-needs/how-much-care-will-you-need
10. debt.com/what-happens-to-your-debt-when-you-die/