Ancillary insurance

With the rising costs of health insurance, one way to decrease premiums is to raise your deductible.  However, that increases your out of pocket cost when you have a claim.  Having an plan that will reduce your out of pocket can give you a little more peace of mind.  Examples of plans are…

Hospital indemnity insurance-will pay a specified per day amount (200-1000 per day) during a stay at the hospital.

Cancer policy-will pay a lump sum on a first diagnosis cancer ($5000-$20,000), that you can use for unexpected costs.