Supplemental Benefits


The Insurance Policy That Pays You Cash In The Event Of A Covered Hospitalization

Who needs EquiCash?
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.

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.

The policy described above is not available in all states.
The policy contains certain limitations and exclusions, which may vary by state.

Plan Features >>