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Understanding Hospital Indemnity Insurance

Photo by RODNAE Productions

Have you ever heard of hospital indemnity insurance? It’s a type of insurance that can help you cover the costs of a hospital stay.

So, what exactly is hospital indemnity insurance? It’s a policy that pays you a fixed amount of money for each day you’re in the hospital. This money can be used to help pay for things like your hospital bills, transportation to and from the hospital, and even your rent or mortgage while you’re away.

But why would you need hospital indemnity insurance? Well, even if you have health insurance, it may not cover all of the costs associated with a hospital stay. For example, you may have a high deductible or co-pay, or your health insurance may not cover certain treatments or procedures.

Hospital indemnity insurance can help fill in these gaps and give you peace of mind knowing that you have some financial protection if you ever need to be hospitalized.

It’s important to note that hospital indemnity insurance is not the same as health insurance. It’s a separate policy that you can purchase to complement your existing health insurance.

So, if you’re interested in hospital indemnity insurance, be sure to talk to your rep at RMP in Wheat Ridge to shop around and compare policies to find one that fits your needs and your budget. And remember, while it may be an extra cost, it could potentially save you a lot of money in the long run if you ever need to be hospitalized.

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