The Hospital Indemnity Plan from the Family Life Insurance Company, known as Secure Care, is well-known within the category of Hospital Indemnity Plans. It is available in 14 states, three of which are states where Liberty Medicare is active: Ohio, Pennsylvania, and Texas.
This plan is NOT major medical insurance. It provides benefits for staying in hospitals and for specified medical and surgical events. The plan pays the specified cash for each covered service regardless of the actual cost directly to you. Cash is paid either to you or to your provider if you made a benefit assignment. There are no deductibles.
All benefits are per covered person. There are no medical exams, but there are a limited number of medical questions you need to answer in order to apply. Benefits are available for pre-existing conditions after you’ve been insured under this plan for 12 months.
In addition to the standard hospital and surgical benefits, Secure Care pays for health services such as doctor’s visits, immunizations, and lab work.
Family Life Hospital Indemnity Plan – Secure Care Benefits and Premiums
Secure Care Benefits include:
- Secure Care Base Plan
- Surgical and Hospitalization Benefits
- Internal Cancer & First Occurrence Benefits
- Outpatient Rider (Optional)
- Prescription Drug Rider (Optional)
See Tables 1 and 2 for an explanation of Source Care benefits, and examples of premiums.
|BASE PLAN – SURGICAL AND HOSPITALIZATION BENEFITS||Inpatient Hospital Confinement||Choose from $500 to $3,000 per day plus $600 First Day Hospital Admission Benefits – One time per calendar year. Limit of $200,000 per calendar year for all inpatient confinements.|
|Intensive Care||$1,000 additional Intensive Care benefit limit of 10 days per calendar year.|
|Surgery||Includes surgical benefits for both inpatient and outpatient surgery paid at the scheduled benefit amount. Choose 1.0 or 1.5 units. $50,000 calendar year Surgical maximum.|
|Anesthesia||20% of the Surgical Benefit|
|Assistant Surgeon||20% of the Surgical Benefit|
|Ground and Air Ambulance||$200 for ground transportation; $2,000 for air transportation. Limit of 2 one-way trips per calendar year for all ambulance transportation.|
|ER or Urgent Care||$300 ER or Urgent Care per calendar year.|
|BASE PLAN – INTERNAL CANCER AND FIRST OCCURRENCE||Internal Cancer||Pays a monthly benefit of $500 for six months for a positive diagnosis of any type of internal cancer.|
|OUTPATIENT RIDER (OPTIONAL)||Doctor’s Office Visit||
|Allergy Shots and Immunizations for Insured Children Only||
|Outpatient Medical benefits||Laboratory Services:
$1,500 per calendar year limit for all outpatient events.
|PRESCRIPTION DRUG RIDER (OPTIONAL)||Rx Rider||
$750 calendar year maximum
Table 1. Secure Care Benefits
|Prescription Drug Rider||16.37||19.72||24.05||30.84|
|Individual and Spouse||Base Plan||245.66||298.34||375.46||525.02|
|Prescription Drug Rider||32.74||39.44||48.10||61.68|
|Prescription Drug Rider||79.05||85.75||94.41||107.99|
Table 2. Secure Care Premiums
Please give us your feedback!
What do you think about Secure Care Hospital Indemnity Plan from Family Life? Write your comments.
For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.