01
Separate insurance product
Hospital indemnity insurance
Pays a fixed dollar amount for each day you meet the policy's conditions, regardless of your actual expenses.
It isn't a substitute for Medicare Supplement Insurance.
Separate from Medicare
Protection beyond Medicare.
Some people look at other kinds of insurance alongside their Medicare coverage. Here's what three of them are, in plain terms.
Before you read on
These are separate insurance products, not Medicare benefits.
They aren't part of Medicare, they aren't Medicare plans, and they aren't Medicare Supplement Insurance (Medigap). Each one is its own policy, with its own terms.
02
Separate insurance product
Critical illness insurance
Generally pays a set amount if you're diagnosed with a condition named in the policy.
Which conditions count, and how much it pays, depends on the policy.
03
Separate insurance product
Long-term care insurance
Medicare and most health insurance, including Medigap, don't pay for non-medical long-term care, like help with everyday activities such as dressing and bathing.
You may be eligible for some of this care through Medicaid, or through private long-term care insurance.
Have a question about any of these?
Call (619) 382-3810 and ask. We'll tell you plainly whether it's something we can help with.
Sources: Medicare & You 2027 p.58 · Choosing a Medigap Policy (CMS and NAIC) p.8 · Federal rules for fixed indemnity and specified disease coverage, 45 CFR 148.220(b).