Major medical health insurance plays a crucial role in covering direct treatment expenses, helping you manage healthcare costs during an illness or injury. Here's how it works:

What are "direct treatment expenses"?

These are the charges directly related to your medical care, including:

• Inpatient hospital stays
• Services of your primary care physician and surgeon
• Anesthesia
• Radiology services
• Prescribed medications
• Nursing care
• And more

How does Major Medical Insurance work?

• Major medical insurance typically covers 80% of your covered medical costs after you meet your annual deductible.
• You are responsible for the remaining 20%, known as co-insurance.
• You may also have copayments for specific services, like doctor visits.

Major medical insurance provides valuable support when facing medical needs, but understanding your out-of-pocket costs is crucial for responsible financial planning. 

Losing your ability to work due to an illness or injury can create financial worries on top of your health concerns. Indemnity insurance can help alleviate this stress by providing direct cash benefits to cover essential expenses during your recovery.

What are "indirect" out-of-pocket expenses?

These are costs not directly related to medical bills, but still crucial during your recovery. Indemnity insurance can help with:

• Travel and lodging: Costs associated with visiting specialists or extended recoveries outside your home.
• Meals and childcare: Ensuring your family's well-being during your recovery.
• Special diets and home care: Addressing specific needs that may arise.
• Hospice care: Providing comfort and support in your final stages.
• Fixed monthly expenses: Maintaining your financial stability during a period of reduced income, such as mortgage/rent, utilities, food, and car payments.

Indemnity insurance helps you focus on healing:

• Receive cash benefits directly, allowing you to use the money for your most pressing needs.
• Cover 100% of out-of-pocket expenses outside of direct medical bills.