Umbrella Coverage

Hospital Indemnity Flex Insurance

Flexible coverage that pays you a lump sum or daily benefit when you're hospitalized — protecting your savings from deductibles, co-pays, and surprise costs.

Schedule a coverage review Call 540-440-5936

The real risk

Why this coverage exists

1 in 5

people age 65+ will require a hospital stay this year; the average stay is 5 days.

1 in 5

emergency-room admissions result in an unexpected medical bill.

70%

of hospital patients 65+ will need post-acute care like skilled nursing.

Protect your savings from hospital costs

Even the best health plans have cost-sharing — deductibles, co-pays, coinsurance — that adds up quickly during a hospital stay. Hospital Indemnity Flex pays you a benefit to help cover those gaps, and you choose the shape that fits.

Lump-sum benefit paid when you're hospitalized
Or a daily benefit for each day of confinement
Coverage for inpatient stays and observation visits
Optional ambulance, ER, and outpatient coverage
Benefits paid directly to you, on top of other insurance
Non-taxable benefits

Benefits are paid in addition to any other health-care coverage you have, including Medicare.

Notice to Buyer: This is not a Medicare Supplement policy, not a Major Medical policy, and not a Long Term Care policy. It may not cover all of your medical or health-care expenses and should not be purchased as a substitute for Medicare or Medicare-related health plans.

Statistics sourced from industry and government data on hospital utilization among seniors.

Good to know

Your questions, answered

It pays a benefit you can use for hospital deductibles and co-pays, coinsurance and out-of-pocket costs, recovery expenses, and time away from work. Optional add-ons can cover ER visits, ambulance, and outpatient rehabilitation.

That's the 'flex' part. You choose a lump sum paid on admission, or a daily benefit for each day of confinement, based on what fits your needs and budget. We'll walk through both with you.

Yes. Benefits are non-taxable and paid in addition to any other coverage you have, including Medicare.

No. It's not a Medicare Supplement, major medical, or long-term care policy. It's supplemental coverage designed to help with hospital-related costs.

Free consultation

See if this coverage fits your situation

In a short, no-pressure review, a licensed agent walks you through benefit amounts, costs, and how this works alongside the plan you already have.

Free consultation

Book time with an I Know Medicare agent

A short, no-pressure conversation. We'll answer your questions and lay out your options in plain English.

Always free — never changes your premium
Local, licensed, independent
In person, by phone, or virtual

540-440-5936

Choose an available time

Prefer to talk it through first?

Veteran-owned · Locally licensed · Always free to talk

Pick a time Call 540-440-5936