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Do you know how much you are responsible for before your medical insurance kicks in?

Being admitted to the hospital or having some type of surgery is hopefully something you or your family will never have to experience. Although, odds are that sometime in everyone’s lifetime they will be either in a hospital or have some type of outpatient surgical procedure.

While it is the law to have insurance that complies with the Affordable Care Act, most of those policies still have large deductibles that leave you responsible for up to thousands of dollars out of your own pocket before they pay a benefit. It is important to understand that many of the initial medical expenses that you incur may come out of your own pocket.

Prescription eyewear is not covered under major medical plans.

As you can see, there are a number of expenses that are simply not covered by major medical insurance that you are responsible for and could potentially cause financial hardship. That’s why it makes sense to get additional protection from unexpected expenses due to injury and illness that other mandatory insurance does not cover. United National Life’s Hospital Security Plus, Hospital Confinement Indemnity Insurance can help you lower your out of pocket medical expenses that you need to pay before your major medical insurance benefits begin.

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Most major medical insurance may not cover…

  • Any deductibles you may have
  • Co-pays
  • Mortgage or rent payments
  • Taxes
  • Automobile payments
  • Food and clothing

Additional cancer coverage is available with the Optional Lump Sum Cancer Rider which may help pay for costs that major medical insurance may not cover such as…

  • Experimental or non FDA approved treatments
  • Travel and lodging expenses to get the best care possible
  • Short term nursing home care

The optional Dental and Vision Benefit Rider, may help pay for things done in a dentist office that may not be covered by most major medical insurance policies such as…

  • Cleaning and preventive care
  • Fillings and crowns
  • Bridges and root canals