Hospital Indemnity PLan

What is it?

Advantage Plus Elite Hospital Confinement Indemnity Insurance is designed to help fill some of the co-payments, deductibles and out-of-pocket expenses of your health insurance plan. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays and more.

How does it work?

Should you be confined to a hospital, Advantage Plus Elite will pay you between $100 and $750 per day based on the plan you select. You can choose a 3-day, 6-day, 10-day or 21-day benefit period, which will restore after 60 days of no hospital confinement. A 1-day benefit is now available with a daily benefit amount of $1,000 to $2,500.

Why do I need it?

Unexpected medical costs can add up – even if you have health insurance. Advantage Plus Elite is an affordable way to help protect your savings from all the costs of deductibles, co-pays and additional expenses not covered by your major health insurance plan. Benefits are paid directly to you so you can use the funds any way you choose.

What is it?

GTL’s Short-Term Home Health Care Insurance can help you cover deductibles and co-payments for home health care services. It also includes a Short-Term Home Health Care Aide Benefit, a Prescription Drug Benefit, policyholder access to Ask Mayo Clinic online, and a great set of riders for you to choose from.

How does it work?

GTL’s Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).

Why do I need it?

Because, like most Americans, you would prefer to recuperate at home. Benefits are paid directly to you to help cover deductibles and co-payments, regardless of any other insurance you may have. To collect the Short-Term Home Health Care benefits, a prior hospitalization stay is not required. You can even combine your Short-Term Home Health Care Benefits with coverage for hospital stays and accidents to enhance your coverage!

GTL’s Short-Term Home Health Care Insurance can help you cover deductibles and co-payments for home health care services. It also includes a Short-Term Home Health Care Aide Benefit, a Prescription Drug Benefit, policyholder access to Ask Mayo Clinic online, and a great set of riders for you to choose from.

How does it work?

GTL’s Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety home health care services. Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).

Why do I need it?

Because, like most Americans, you would prefer to recuperate at home. Benefits are paid directly to you to help cover deductibles and co-payments, regardless of any other insurance you may have. To collect the Short-Term Home Health Care benefits, a prior hospitalization stay is not required. You can even combine your Short-Term Home Health Care Benefits with coverage for hospital stays and accidents to enhance your coverage!