Protect Against Unexpected Out-of-Pocket Hospital Costs
Direct Cash Benefits When You Need Them Most
Major medical and Medicare Advantage plans often leave significant financial gaps during an inpatient stay. To help cover unexpected out-of-pocket hospital costs, hospital indemnity insurance provides cash benefits paid directly to you.
The Perfect Complement to Medicare Advantage
Most Medicare Advantage plans impose daily out-of-pocket hospital copays ranging from $300 to $400+ for the initial days of an admission. A tailored hospital indemnity policy helps eliminate those expenses dollar-for-dollar.
Independent Guidance Across Top Carriers
As an independent brokerage, Your Guardian Life compares policies across leading regional and national carriers to secure the most competitive rates and benefits.