By Deanna Samels, Sales Manager

One thing I’ve learned over the years working in health insurance is that even really solid health plans don’t always protect you from out-of-pocket surprises. Whether you’re enrolled in a Medicare Advantage plan or an individual Marketplace plan, your coverage is designed to take care of major medical needs. However, things like copays, coinsurance, and daily hospital charges can still add up quickly if you actually need care.  That’s why we often talk with people about pairing their health plan with an indemnity plan. These plans don’t replace your health insurance. Instead, they’re meant to work alongside it by paying cash benefits directly to you when certain covered services happen. In many cases, depending on the coverage options selected, these plans cost approximately $35–$75 per month, and often do not require medical underwriting, making them accessible for a wide range of people.

For example:

  • Hospital stays
    Many plans charge daily copays while you’re hospitalized. An indemnity plan can pay a set amount per day, helping cover those costs.
  • Physical therapy
    After surgery, an injury, or an illness, physical therapy visits can become costly. Indemnity coverage can help offset those expenses so recovery doesn’t also become a financial strain.
  • Serious illness or cancer protection
    Some plans include benefits that pay a lump sum if you’re diagnosed with a covered critical illness. That money can be used however you need—medical bills, travel, time off work, or simply peace of mind.

At Ohio Health Benefits, we commonly use indemnity options from carriers like Guaranteed Trust Life and Medical Mutual because they integrate well with Medicare Advantage and Marketplace plans, have steady rates, and are straightforward to understand. Adding this type of coverage isn’t about expecting the worst. It’s about planning realistically and protecting yourself from costs that traditional health insurance doesn’t always eliminate.  If you’ve ever wondered whether an indemnity plan might make sense for you, our team is always here to walk through the options and help you decide what fits your situation best. Reach out to Ohio Health Benefits today by calling 330-633-7713, or online to schedule your consultation.

Thanks for trusting us with your coverage. We truly appreciate it.