Protect your family with Sigman Insurance Services

Hospital Indemnity Plans

A hospital indemnity plan pays a fixed cash benefit when you are hospitalized, helping cover out-of-pocket expenses.

How They Work:

• Pays daily, weekly, or lump-sum benefits for hospital stays due to injury, illness, or surgery.

• Benefits are paid directly to you, not the hospital, so you can use them for deductibles, copays, transportation, or household bills.

• Can be customized with additional benefits for ambulance rides, ICU stays, or outpatient surgery.

Why They’re Important:

• Medicare and private health insurance have gaps, including high deductibles, copays, and coinsurance.

• Provides financial relief by helping cover non-medical expenses like lost wages or childcare.

Cancer, Heart Attack, and Stroke Plans

These are supplemental insurance policies designed to provide financial protection in case of a serious illness. They pay a lump sum or ongoing benefits upon diagnosis, helping cover costs that traditional health insurance may not.

How They Work:

• Provide a cash benefit upon diagnosis of cancer, heart attack, or stroke.

• Benefits can be used for medical expenses, lost income, travel for treatment, or household bills.

• Policies can cover individuals or families.

Why They’re Important:

• Traditional health insurance may not cover experimental treatments, travel, lodging, or lost wages.

• Provides peace of mind by reducing financial stress during recovery.

A Short-Term Home Health Care Plan supplemental insurance policy that helps cover the costs of receiving medical care at home for a limited period due to illness, injury, or recovery from surgery. It provides financial support for services not fully covered by Medicare or traditional health insurance.

How It Works:

• Pays a daily or per-visit cash benefit for in-home medical care services, such as:

• Skilled nursing care

• Physical, occupational, and speech therapy

• Assistance with daily living activities (bathing, dressing, meal prep)

• Some plans also cover prescription drugs and home medical equipment.

• Benefits are paid directly to you to use as needed.

Why It’s Important:

• Reduces out-of-pocket costs for short-term care needs.

• Allows recovery at home instead of a facility, preserving comfort and independence.

• Helps cover gaps in Medicare or private health insurance, which may have limits on home health care services.