MedMutual SeniorCare™: A Hospital Indemnity Plan
When you’re recovering from a hospital stay, the last thing you should be thinking about is what the bill will look like when it arrives. SeniorCare is a new product for those over 65 years of age that helps cover certain out-of-pocket hospital costs that your Medicare plan doesn’t cover, allowing you to focus on getting well again.
How it Works
SeniorCare has three types of plans, each with two tiers, meaning you’ll be able to customize your coverage to your needs. Depending on which plan you choose, you’ll receive a flat rate for extra costs associated with inpatient hospital stays, observation services, skilled nursing facility stays, outpatient surgery, ambulance charges and emergency and urgent care.
Example
Susan spends time in a skilled nursing facility for 25 days. Susan’s Medicare plan covers her stay from days 1-20, but after 20 days, she will be charged $200 per day. Because she has SeniorCare to help supplement her costs, Susan will be reimbursed $100 per day for her stay, allowing her to focus on her recovery.
Enrolling
SeniorCare is available as a standalone product or as an addition to a Medicare Advantage or Medicare Supplement plan, meaning that this coverage is a great resource no matter what your current coverage looks like. Those who are 65 and older are are eligible for our Hospital Indemnity plan. You can begin enrolling at age 64.5, and coverage will begin when you turn 65. You may enroll or cancel this plan at any time during the year once you are 65.
Ready to Enroll?
For more information on these offerings or if you are ready to enroll, please contact your sales representative or broker. You can also request a quote online.
This Policy will not cover a Pre-Existing Condition, as defined, or any Condition caused by, contributed to, or resulting from such Pre-Existing Condition for which you received Treatment within the first 12 months after your Effective Date. Pre-existing Condition is defined as a Sickness or Injury for which you, within the 12 months prior to your Effective Date of coverage, received Treatment. No benefits whatsoever will be payable for loss from any Condition, either pre-existing or otherwise, which is completely excluded from coverage under this Policy by name or specific description on the date of the loss.
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