Heart Attack, Cancer, Stroke & Hospital Indemnity

Cancer, Heart Attack, and Stroke: Common Occurrences with Steep Price Tags

In the United States, someone has a heart attack or stroke about every 40 seconds, and someone is diagnosed with a new case of cancer about every 30 seconds. That means about 7,200 Americans per day experience these health conditions.

Heart disease, cancer, and stroke are also among the Centers for Disease Control and Prevention’s list of the leading causes of death in the United States. Thanks to advances in treatment and medicine, these conditions and diagnoses are not as deadly as they once were, but surviving and recovering doesn’t come free of charge.

The financial impact of a heart attack, stroke, or cancer diagnosis can last months or years beyond the initial event. Consider the medical and non-medical expenses associated with surviving and recovering from these conditions:

• All treatment expenses
• Rehab services
• Adaptive equipment
• Caregiver costs
• Travel/lodging
• Loss of income

HCS insurance can offset or completely cover the above expenses so you can focus on what matters most: recovery.

Medicare and Primary Health Insurance Only Does So Much - HCS Insurance Does So Much More

Nearly everyone knows someone who has been affected by cancer, heart disease, or stroke. Unfortunately, just as many people believe that their existing health insurance coverage will cover all the expenses associated with treating and recovering from these conditions.

The truth is that primary health insurance plans, including Medicare Advantage and Medicare Supplement insurance, only cover so much. For example, if you have a Medicare Advantage plan, cancer treatment is usually 20% co-insurance until the max out-of-pocket threshold is reached ($3,000 to $7,500). Or worse, if the recommended treatment is considered “experimental” then it isn’t covered at all.

Don’t risk your financial well-being getting better, or risk not getting the treatment you need when every second counts. HCS insurance can be used to cover or offset treatment and recovery costs so you can protect your wealth while improving your health.

Lump Sum Benefits Mean No Waiting and Less Worrying

You shouldn’t have to wait to receive cash benefits in the event of a heart attack, stroke, or cancer diagnosis. That’s why IFS advisors can help you select an HCS insurance plan that provides lump sum payments, so you can focus on getting the treatment you need now and not worry about how you will pay then.

An HCS insurance plan provides a lump-sum payout that you can use toward any medical or non-medical expense, regardless of other health insurance coverage. Lump sum benefits can help pay for medical co-payments and deductibles, supplement lost income, travel expenses to medical facilities, and even experimental treatments not covered by your primary health insurance policy.

It gets even better. Because these are hospital indemnity plans, if your primary health insurance or Medicare plan does cover the medical costs for less than the lump sum payout you receive, you can actually come out ahead financially when all is said and done. That’s insurance that works for you. IFS advisors can help you get started.

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