Heartland National Life Insurance Company started in 1994. Today, throughout the Heartland distribution network sales total over 20 million - making them one of America's leading Senior Health/Life Insurance distributors. With a no-nonsense conservative approach, Heartland National Life provides quality insurance products and unsurpassed service to their policyholders.
Agent Benefits Include:
- Affordable, easy to sell plans
- Quick Policy Issue
- Simple Yes/No Application
- 9 Month Advancing Available
Client Benefits Include:
- Simple application process
- Guaranteed Renewable
- Benefits are paid directly to you to use however you choose
Heartland Hospital Indemnity Plan Presentation
Sure, most of us have health insurance and we think that's all we need but consider this:
- The average expenditure for a hospital stay is $8,793.1
- The average age of a hospital inpatient is approximately 52, with 24% of inpatients being age 45-64, and 38% age 65 years and over.2
- The average inpatient hospital stay for people age 46-64 is 5 days, and 5.5 days for people age 65 and older.3
- The increasing number of Americans age 65+ has the potential to greatly increase the nation's already high health care costs. The cost of providing health care for one person age 65+ is three to five times greater than the cost for someone younger than 65.4
- • By 2030, Baby Boomers will account for more than twice as many hospital admissions as they do today.5
As concerning as these statistics are, EquiCash is an alternative to help pay the increasing out-of-pocket expenses that today's medical insurance does not cover.
All plans have deductibles, copayments and limits. Heartland National's Secure Advantage Hospital Indemnity Plan can help with these costs by providing the following benefits:
| |
Silver |
Gold |
Platinum |
| Daily Hospital Indemnity Benefit |
Daily Benefit amounts between $100-$300. 10 Day Benefit Period. |
Daily Benefit amounts between $100-$300. 30 Day Benefit Period. |
Daily Benefit amounts between $100-$300. 90 Day Benefit Period.
|
| Durable Medical Equipment |
$200 Per occurrence per calendar year ($2,500 Lifetime Maximum) |
$300 Per occurrence per calendar year ($2,500 Lifetime Maximum) |
$400 Per occurrence per calendar year ($2,500 Lifetime Maximum) |
| Ambulance |
$100 Per occurrence ($2,500 Lifetime Maximum) |
$150 Per occurrence ($2,500 Lifetime Maximum) |
$200 Per occurrence ($2,500 Lifetime Maximum) |
| Emergency Room Benefit |
$150 per emergency room visit following an accident or injury |
$200 per emergency room visit following an accident or injury |
$250 per emergency room visit following an accident or injury |
| Physician Benefit |
$25 per visit, $75 calendar year maximum |
$25 per visit, $75 calendar year maximum |
$25 per visit, $75 calendar year maximum |
| Optional Lump Sum Cancer Rider |
Your choice of benefits between $1,000-$10,000 for diagnosis of cancer |
Your choice of benefits between $1,000-$10,000 for diagnosis of cancer |
Your choice of benefits between $1,000-$10,000 for diagnosis of cancer |
Sources:
1 An American Hospital Association Company, Health Forum, Chicago, IL, AHA Hospital Statistics 2007 Edition.
2 DeFrances CJ, Hall MJ. 2002 National Hospital Discharge Survey. Advance data from Vital and Health Statistics; No. 342. Hyattsville, Maryland: National Center for Health Statistics. 2004.
3 DeFrances CJ, Hall MJ. 2005 National Hospital Discharge Survey. Advance data from Vital and Health Statistics; no 385. Hyattsville, MD: National Center for Health Statistics - Table 1. 2007.
4 Centers for Disease Control & Prevention and Merck Institute of Aging & Health. The State of Aging and Health in America. 2004.
5 National Center for Health Statistics, National Hospital Discharge Survey 2004, May 2006.