Help Protect Your Savings
Medicare Advantage doesn’t cover all hospitalization expenses. GTL’s Advantage Plus can help protect your retirement savings.
Help Protect Your Savings
Medicare Advantage doesn’t cover all hospitalization expenses. GTL’s Advantage Plus can help protect your retirement savings.
Help Protect Your Savings
Medicare Advantage doesn’t cover all hospitalization expenses. GTL’s Advantage Plus can help protect your retirement savings.
How can GTL’s Hospital Indemnity Insurance help me?
Watch how Advantage Plus can help cover out-of-pocket medical expenses.
Life’s little surprises shouldn’t cost you.
An unexpected visit from your granddaughter. A bouquet of roses. Life is full of surprises. But out-of-pocket costs for hospital stays not covered by Medicare Advantage is one surprise you could do without. Fortunately, there’s an easy and affordable solution, Advantage Plus, Hospital Confinement Indemnity Insurance from Guarantee Trust Life Insurance Company.
Life’s little surprises shouldn’t cost you.
An unexpected visit from your granddaughter. A bouquet of roses. Life is full of surprises. But out-of-pocket costs for hospital stays not covered by Medicare Advantage is one surprise you could do without. Fortunately, there’s an easy and affordable solution, Advantage Plus, Hospital Confinement Indemnity Insurance from Guarantee Trust Life Insurance Company.
How Advantage Plus Works: Julie’s Story
Here’s how a hospital indemnity policy helped Julie cover her copay costs for her hip replacement surgery.
Here’s how senior hospital indemnity insurance helped Julie, a 65-year-old in Iowa, pay for out-of-pocket expenses – including an ambulance fee – after her fall. Julie’s Medicare Advantage policy has a $250 co-pay whenever she needs to use an ambulance. Julie fell down her stairs that were in need of repair and sustained a head injury. She was brought to the hospital by ambulance for treatment and stayed overnight. Julie had chosen the optional Ambulance Benefit Rider with her Advantage Plus coverage with a $400 cash benefit, in addition to her hospital daily benefit amount of $400 — all for $44.62 per month. Julie was responsible for her ambulance co-pay of $250 and $300 for her 1 day stay in the hospital. Julie received a $400 cash benefit from the Ambulance rider and another $400 from her daily benefit amount for 1 day in the hospital to cover her co-pays. With the extra $350 Julie put it towards repairing her stairs.
Doesn’t my Medicare Advantage cover hospital stays?
Yes, but there are daily hospital confinement co-pays you will be responsible for with a Medicare Advantage Policy. Typical Medicare Advantage coverage leaves policyholders responsible for a $200 to $450 per day hospitalization confinement co-pay, which can add up quickly after multiple day confinements.
How quickly are my benefits paid?
Guarantee Trust Life Insurance Company (GTL) understands how important it is for you to receive your benefit funds quickly. Claims are processed in 8 to 10 business days after the completed claim form and proof of service/documentation is received at GTL.
What does an Advantage Plus policy cost?
Guarantee Trust Life offers a variety of affordable coverage plans that fill Medicare Advantage gaps without breaking your budget or depleting your retirement savings. For example: a 65 year old with 6 Day benefit period of $250 per day would pay less than $23 a month!
Where can I talk to someone to get more information?
We would be happy to answer any questions you may have and help you get the coverage you need. You can either chat with us on this website or click here to fill out a contact form.
Do rates increase as I get older?
No! Policyholders continue to pay the same premium year after year as they get older. While rates are not guaranteed, Advantage Plus policyholders have never experienced a rate increase or benefit reduction in the product’s 14 year history!
3 Reasons GTL is Your Best Choice for Hospital Indemnity Insurance
Download our free informational brochure!
Download our free informational brochure!
Please fill out your email address for a free digital brochure about how Advantage Plus can help cover out-of-pocket hospitalization expenses.