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Get paid during AEP with Heartland National's New Hospital Indemnity Plan

Posted by www.psmbrokerage.com Admin on Tue, Oct 16, 2018 @ 05:19 PM

Help fill the gaps where Medicare Advantage leaves off!


Don't leave money on the table this AEP!... and save your clients thousands with Heartland's new Hospital Indemnity Plan!

Informing your clients of the benefits of having a hospital indemnity plan could save them thousands of dollars in out-of-pocket medical expenses that their Medicare Advantage plans does not cover. 


  • Guarantee Issue from ages 64 1/2 to 65 1/2
  • 7% household discount
  • Dual applications
  • Issue ages 18 to 85
  • Choose from 3-31 days payable*

Customize the plan with additional riders**:  

  • Lump Sum Cancer
  • Dental, Vision and Hearing
  • Skilled Nursing Facility Benefits
  • and Much More!

Available in 30 states! Additional states coming soon


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Not appointed with Heartland National. Request details here

Additional Updates:

Tags: Hospital Indemnity, Heartland National

Product Spotlight: Heartland National Hospital Indemnity

Posted by www.psmbrokerage.com Admin on Thu, Sep 27, 2018 @ 10:33 AM

Heartland National Hospital Indemnity Plans

PSM Product Spotlight

Heartland_National_Logo_No_BorderToday in the spotlight, we will review Heartland National's Hospital Indemnity.

Ask any successful Medicare Advantage producer what he is most likely to cross sell with every MA plan sold and you’ll hear… Hospital Indemnity

While medical insurance is good to have, it still leaves gaps in coverage that a policyholder is responsible for. A Hospital Indemnity plan will help bridge the gaps left open from a Medicare Advantage Plan, by providing a direct cash benefit to the policyholder. 

Most Medicare Advantage Plans don't cover the first 4 to 7 days of a hospitalization. Per the American Hospital Association (AHA) Hospital Statistics, the average hospital stay cots $8,793, with the average length for adults age 65+ being 5.5 days, according to the National Center for Health Statistics. 

For many people that kind of out of pocket cost is not easy to come by. A Hospital Indemnity plan can ease that burden and make for a very affordable alternative to help your clients cover these unexpected costs. 

While there are quite a few Hospital Indemnity products available, the Secure Advantage Flex product from Heartland National has some unique features not readily available through other product options.

Unlike many Hospital Indemnity products, the Secure Advantage Flex product from Heartland National offers Guaranteed Issue for ages 64 1/2 to 65 1/2, meaning you get 100% placement on your business for these applicants.  

Additionally it offers a 7% Household Discount for qualified applicants to help keep premiums more affordable.

Another key feature offered in this product is an Observation Unit Benefit paying a cash benefit for each day spent within an Observation Unit. 

Moving inpatients to an Observation Unit is becoming a more common practice within hospitals today, and many Hospital Indemnity products do not offer this benefit leaving your client open to unexpected costs.

While the Observation Unit Benefit, along with Daily Inpatient Hospital Benefit and Emergency Room Benefit is a standard inclusion for this product, it lives up to its name of Secure Advantage Flex by giving you additional optional benefits to truly tailor the product to your clients’ needs. 

These optional benefits and riders include:

  • Lump Sum Cancer Benefits
  • Ambulance Benefits
  • Lump Sum Hospital Confinement Benefits
  • Lump Sum Outpatient Surgery Benefits
  • Skilled Nursing Facility Benefits
  • Wellness Benefits
  • Dental, Vision, and Hearing Benefits

Finally in an effort to make doing business with Heartland National easy, they offer a simple to use electronic application or straight telesales application which can both be used to help complete sales remotely and quickly.  However, you old-timers shouldn’t fear, they still have a paper app for use, if you prefer.

Combine all of this with competitive rates and a handsome commission including lifetime renewals, and it truly makes an outstanding addition to your senior market portfolio.

Not appointed with Heartland National? I encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: Hospital Indemnity, product spotlight, Heartland National

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