Protect your clients from unexpected hospital bills

{On screen/intro: Aetna Senior Supplemental Insurance logo w/copyright, Protection Series℠ -- Hospital Indemnity Flex Insurance Plans from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna Company}

{On screen: For agent use only. Not for public use or viewing.}

Do your clients need help paying for out-of-pocket costs associated with their current medical coverage? Chances are good that they need help offsetting the cost of deductibles, co-pays, and additional expenses incurred but not covered by other insurance plans.

Even the best health insurance plans have cost-sharing features (or coverage gaps) that can leave your client and their family with large medical bills. Coverage gaps in the form of co-pays and deductibles can quickly add up from a hospitalization.

Did you know that 1 in 5 people aged 65 and older will require a hospital stay this year?¹ And that 1 in 5 emergency room admissions result in an unexpected medical bill? ER physicians, ambulance services, anesthesiologists, labs, and pathologists are just a few areas where unexpected expenses frequently occur.²

{On screen:
¹UpToDate.com, Hospital management of older adults, updated Nov. 2021
²HealthAffairs.org/cited May 9, 2022}

Is your client prepared for the cost of hospital observation stays?

Every year more Medicare beneficiaries enter hospitals as observation patients. Doctors order observation services to help decide whether to admit a patient to a hospital as an inpatient. During observation services, the patient is considered an outpatient. Which means that time does not count towards the 3-day inpatient hospital stay required for Medicare to cover a skilled nursing facility stay.

Our Protection Series℠ Hospital Indemnity Flex insurance is designed to help protect savings when unexpected medical expenses arise. Benefits are paid directly to the insured, or a designated medical provider, and are paid in addition to any other health care coverage. There are two base plans to choose from: Lump Sum Hospital Admission Benefit and Daily Hospital Confinement Benefit.

{On screen: Indemnity means “protection or security against damage or loss.”
Issue ages 18-89; reference the rate guide for annual rates by issue age and plan options}

Lump Sum Hospital Admission Benefit

• Pays a lump sum amount if confined in a hospital for 24 hours or more, including observation stays
• Select a lump sum payment of $250 up to $4,000 per period of care. (Available in increments of $250.)

• Pays a daily amount if confined in a hospital, including observation stays
• Select a daily benefit amount from $10 up to $1,000 for each day of confinement (available in increments of $10)
• Available benefit periods: 3-10 or 20 days with a lifetime max of 365 days
• Observation Stay Benefit: Pays 50% of the selected Daily Hospital Confinement Benefit for hospital observation stays of less than 24 hours. This benefit is not payable in addition to the Daily Hospital Confinement Benefit.

Your clients can design the level of protection that best fits their needs and budget. There are six optional benefit riders available under the Hospital Indemnity Flex insurance plan.

1. Ambulance or Hospital Emergency Room Visit
   
   • Select a lump sum benefit of $200, $400, $600
   • Pays up to two times per calendar year
2. Outpatient Surgical Procedure
   
   • Select a lump sum benefit of $250 up to $3,000 per calendar year.
     (Available in increments of $250.)
3. Outpatient Rehabilitation
   
   • Covered therapy includes occupational, physical, or speech therapy
   • Choice of 15 or 30 visits per calendar year
   • Select a benefit of $50, $100, $150, $200, $250 per visit (available in $50 increments)
4. Lump Sum Cancer
   
   • Select a lump sum benefit of $2,500, $5,000, $10,000, $15,000 or $20,000 per lifetime.
5. Doctor’s Office Visit
   
   • Pays for 20 outpatient doctor’s office visits per calendar year. (Includes telemedicine visits.)
   • Choice of $10 up to $100 per visit. (Available in increments of $10.)
6. Daily Skilled Nursing Facility Care
   
   • Pays a benefit for each day of skilled nursing care in a licensed facility. Care must follow a three-day hospital stay which can include hospital observation days.
   • Choice of a daily benefit from $10 to $500 (available in increments of $10)
   • Choice of covered days: Days 1-20, Days 21-100, or Days 1-100

Remember to always reference the Outline of Coverage for the complete details of all benefits.

{On screen: Products/plans vary by state depending on regulations within a state. All products/plans are not available in all states.}

Thank you for taking time to learn more about our Protection Series℠ Hospital Indemnity Flex insurance plans. Now, let’s make it part of your portfolio…so your clients can benefit from this coverage as soon as possible!

{On screen/ending: Aetna Senior Supplemental Insurance logo w/copyright; Agent Services 866-272-6630; AetnaSeniorProducts.com}

{On screen: For agent use only. Not for public use or viewing.}