When the unthinkable happens, the first thing you should focus on is getting the treatment you need. Unfortunately, for many seniors and retirees, the first thought isn’t “How will I get better?,” but “How will I pay for this?”
For a low monthly premium, you can the get peace of mind that most (or all) out-of-pocket expenses associated with treating or recovering from a heart attack, stroke, or cancer diagnosis are covered. Insurity Financial Advisors can help.
Our advisors make it easy to find an affordable heart attack/cancer/stroke (HCS) insurance plan to supplement your health coverage, so you're covered and confident no matter what turn your health takes later in life. Request your free consultation to discuss options and receive no-obligation quotes from trusted insurance carriers.
In the United States, someone has a heart attack or stroke about every 40 seconds, and someone is diagnosed with a new case of cancer about every 30 seconds. That means about 7,200 Americans per day experience these health conditions.
Heart disease, cancer, and stroke are also among the Centers for Disease Control and Prevention’s list of the leading causes of death in the United States. Thanks to advances in treatment and medicine, these conditions and diagnoses are not as deadly as they once were, but surviving and recovering doesn’t come free of charge.
The financial impact of a heart attack, stroke, or cancer diagnosis can last months or years beyond the initial event. Consider the medical and non-medical expenses associated with surviving and recovering from these conditions:
HCS insurance can offset or completely cover the above expenses so you can focus on what matters most: recovery.
Nearly everyone knows someone who has been affected by cancer, heart disease, or stroke. Unfortunately, just as many people believe that their existing health insurance coverage will cover all the expenses associated with treating and recovering from these conditions.
The truth is that primary health insurance plans, including Medicare Advantage and Medicare Supplement insurance, only cover so much. For example, if you have a Medicare Advantage plan, cancer treatment is usually 20% co-insurance until the max out-of-pocket threshold is reached ($3,000 to $7,500). Or worse, if the recommended treatment is considered “experimental” then it isn’t covered at all.
Don’t risk your financial well-being getting better, or risk not getting the treatment you need when every second counts. HCS insurance can be used to cover or offset treatment and recovery costs so you can protect your wealth while improving your health.
You shouldn’t have to wait to receive cash benefits in the event of a heart attack, stroke, or cancer diagnosis. That’s why IFS advisors can help you select an HCS insurance plan that provides lump sum payments, so you can focus on getting the treatment you need now and not worry about how you will pay then.
An HCS insurance plan provides a lump-sum payout that you can use toward any medical or non-medical expense, regardless of other health insurance coverage. Lump sum benefits can help pay for medical co-payments and deductibles, supplement lost income, travel expenses to medical facilities, and even experimental treatments not covered by your primary health insurance policy.
It gets even better. Because these are hospital indemnity plans, if your primary health insurance or Medicare plan does cover the medical costs for less than the lump sum payout you receive, you can actually come out ahead financially when all is said and done. That’s insurance that works for you. IFS advisors can help you get started.
Have questions about HCS insurance? IFS advisors have answers. We specialize in helping seniors, retirees, and aging entrepreneurs get the right insurance to enjoy their golden years with confidence, dignity, and peace of mind.
There’s no risk, no obligation, and no fee to talk with an IFS advisor about how HCS insurance can help supplement your primary health insurance plan. Book an appointment today and take the first step toward a more secure future.