Why Agents Should be Selling Hospital Indemnity

Successful Medicare Advantage agents know a secret: the plans are powerful, affordable, and popular — but pairing them with a Hospital Indemnity plan makes the coverage even stronger.

It’s not about pointing out what Medicare Advantage “doesn’t do.” It’s about showing clients how to get the most complete protection possible without stretching their budget.

Why Add Hospital Indemnity?

Medicare Advantage plans are a fantastic foundation, often with $0 premiums and great built-in benefits. But certain costs — like the first few days of a hospital stay or an observation visit — can still fall to your client.

That’s where Hospital Indemnity steps in, providing direct cash benefits to help cover those unexpected expenses and give clients greater peace of mind.

What Clients Appreciate About Hospital Indemnity

• Coverage for hospital co-pays (up to 31 days)

• Ambulance transportation

• Emergency room visits

• Lab & radiology services

• Skilled nursing facility care

• Primary care office visits (no hospital stay required)

• Annual wellness & preventive care benefits

👉 It’s a smart, affordable way to enhance the protection clients already enjoy with Medicare Advantage.

When to Bring It Up

• During the MA appointment (with a Scope of Appointment in place).

• In follow-ups with current clients, as part of a Needs Analysis conversation.

It’s a natural fit — clients already trust you with their Medicare Advantage coverage, and Hospital Indemnity is simply the “next step” in making sure they’re fully protected.

Why Agents Love Offering It

• Client-Friendly: Easy to explain, easy to understand.

• Budget-Friendly: Works especially well with $0 or low-cost MA plans.

• Relationship-Friendly: Builds trust by showing you care about their whole picture, not just the basics.

• Business-Friendly: Strengthens your portfolio and increases long-term retention.

Add It to Your Toolkit

At PSM, we offer a wide range of Hospital Indemnity options designed to complement your Medicare Advantage sales.

📞 Call our team today at 1-800-998-7715 — we’ll help you find the right fit for your clients and show you how easy this cross-sell can be.