11/21/2024
On January 10, one day after my 69th birthday, I suffered a heart attack. I called 911 for an ambulance, which arrived several minutes later. It was a short ride to the hospital. A team of nurses was waiting for me with a stretcher and wheeled me into Emergency. Within an hour, a cardiologist inserted a stent in the affected artery. I was hospitalized for two days. The total cost of my treatment was about $47,000. My copay was $700 for the hospital stay and $221 for the ambulance. But here's the best part. My Hospital Indemnity Plan covered by copay by reimbersing me. But this is where it gets better. Ten years earlier, I purchased an insurance plan to cover me for a heart attack. I paid $20 a month for a $10,000 benefit. Ah, ha. I filed a claim and received a check for $10,000. Here's where it gets even better. The plan has been reset with a $2,000 benefit, and in the fifth year after my heart attack, it will reset to $10,000. If I die from a subsequent heart attack or arterial disease, my beneficiaries can claim the $10,000.
This kind of catastrophic insurance is also available to cover cancer; benefits can range from a few thousand to $50,000.
While arterial sclerosis or cancer can strike anyone, those whose families have a history of these diseases may want to consider this kind of insurance. It can pay off.
Call me or text (616) 309-7288.
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