Fultz Financial

Enjoy The Weekend! “Whether you think you can or think you can’t, you’re right.”

Does Hospital Indemnity Insurance replace my health insurance? No. Hospital Indemnity Insurance is designed to supplement your major medical health insurance, not replace it.

How does Hospital Indemnity Insurance work? If you are admitted to a hospital for a covered illness or injury, the policy pays a predetermined cash benefit based on the terms of your plan. Benefits may be paid for hospital admissions, overnight stays, intensive care, and other covered services.

Wellness 101: Laughter can also stimulate circulation and aid muscle relaxation, both of which can help reduce some of the physical symptoms of stress.

Working with an independent insurance agent gives you access to multiple insurance companies, allowing you to compare coverage options and pricing in one place instead of shopping around on your own.

Fast Fact: Your "Annual Deductible" The amount you are required to pay annually before reimbursement by your health plan begins. The deductible requirement does not apply to preventive services.

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to enroll in Medicare when they turn 65, and this window is referred to as your Initial Enrollment Period (IEP).

Your Initial Enrollment Period is a seven-month window when you can first become eligible for Medicare. It includes the three months before your 65th birthday, the month of your birthday, and the three months after. This is your first chance to enroll in Medicare Part A and Part B (unless you qualify for Medicare under 65).

Health Insurance 101: “In-network Coinsurance” is the percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network coinsurance usually costs you less than out-of-network coinsurance.

Preventive Care Reminder: Regular checkups and screenings can help detect health issues early, when they are often easier to treat.