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 is enrolled in a MedMutual Advantage® Signature HMO plan. If she enrolled in SeniorCare with her Medicare Advantage plan, it would look like this: Susan spends time in a skill nursing facility for 30 days. Susan’s Medicare Advantage plan covers her stay from days 1-20, but after 20 days, she will be charged $214 per day. Because she has SeniorCare to help supplement her costs, Susan will pay $0 for her entire stay.*
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.
IMPORTANT: This is a fixed indemnity policy,
NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
- The payment you get isn't based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn't a substitute for comprehensive health insurance.
- Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
- If you have this policy through your job, or a family member’s job, contact the employer.
Disclaimer: IMPORTANT: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. The payment you get isn’t based on the size of your medical bill. There might be a limit on how much this policy will pay each year. This policy isn’t a substitute for comprehensive health insurance. Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance? · Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options. To find out if you can get health insurance through your job, or a family member’s job, contact the employer. Questions about this policy? For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” If you have this policy through your job, or a family member’s job, contact the employer.
These products provide limited benefits. This document is only a brief summary of such benefits. Product limitations, exclusions, waiting and elimination periods may apply. These products do not qualify as Minimum Essential Coverage as defined under the Affordable Care Act. The termination or loss of the coverage of these products does not initiate a special enrollment period to purchase a health benefit plan that qualifies as Minimum Essential Coverage outside of an open enrollment period. This advertisement is for policy form numbers STIND-GHOSP, STIND-GACC, STIND-GCRITILL, STIND–LGACC and STIND–LGCRITILL. Products and services are underwritten by MedMutual Life Insurance Company, a subsidiary of Medical Mutual of Ohio.