One thing the pandemic taught me is that life is short. We must be prepared. Life will happen to all of us. I knew a lot of people that were hospitalized because of Covid19, a stroke, cancer, high blood pressure, diabetes, and many other diseases/illnesses. I found that the one thing they all had in common was that they didn’t have hospital insurance. Meaning, if they were hospitalized, they had to pay for being in the hospital, which is usually substantial in the costs.
When I had my surgery in 2019, I used my hospital protection. I had day surgery, and I was in the hospital for less than 24 hours. A few weeks later, I received a check for $300.00. I could use that money to pay bills, buy groceries, or pay for any medical supplies or medication I needed. This insurance is cost-effective and covers people from ages 40 to 85 years old. Most people are familiar with AFLAC when it comes to hospital insurance, however, most don’t know that you need to work for a company to get it, and when you leave your company, you’re not able to keep the coverage. In the world we live in today, most companies are not after you when you leave due to lay off, retirement, or being fired. It’s important to have insurance outside of your job. Protect you, your family, and your assets.
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| Age | Days in hospital | Daily Benefit | Monthly Cost | How Much You Get |
|---|---|---|---|---|
| 40 | 6 | $100 | $5.39 | $600 |
| 45 | 7 | $200 | $11.35 | $1400 |
| 50 | 8 | $300 | $20.48 | $2400 |
| 60 | 10 | $400 | $34.12 | $4,000 |
| 70 | 21 & 6 | $500 | $91.20 or $45.44 | $3,000 or $10,500 |
| 80 | 31 & 6 | $600 | $53.93 or $122.59 | $3,600 or $18,600 |
Note: The formula I used: Number of days x daily benefit. 6 x 100 = $600
FACTS:
- You can pick how many days you want to be paid while in the hospital.
- The average stay in the hospital is six days, and most people get six days.
- Coverage starts at age 40 years old.
- You can pick how much you want to get paid each day.
- You can use the money for anything. For instance, food, medical bills, personal bills, and medicine.
- You can use this insurance every 60 days, which means you will get paid again if you go to the hospital on October 1st and then on December 1st. You can use it up to 6 times in one year.
- If affordable, it will replace your income and prevent you from draining your savings.
- MEDICAL EXAM NOT REQUIRED to get coverage.
- Both men and women can get this coverage.
Go to https://www.thefinanciallady.com/solutions/ and book some time with me to ask questions and get a FREE quote.
Be aware, be informed!