Heartland National hospital Indemnity and Cancer CareFree Insurance Agent Websites

Heartland National hospital Indemnity and Cancer Care

Heartland National Insurance Company was started in 1984 and has quickly gone on to become one of the biggest brands in the insurance industry. With over twenty million people involved in its sales network country wide, the company adopts a straightforward approach to their business model.

Their health care policy is popular within the community for being affordable and provides the policyholder access to some of the best medical services on offer in the country. One of the major benefits with their policy is that the patient can directly receive the proceeds of their plan and the coverage for their medical treatment can be readied in short span of time.

Features of Heartland National Cancer Care Policy

Through the Heartland National Cancer Cure policy, the insured can decide on how to use the face amount received from the plan. They have the liberty to ascertain and pursue the best course of treatment to treat their medical condition. Since each case is different from the other, a policy of this nature offers the cancer patient several benefits.

The application process is quick and easy to sign up for. The candidate can fill in the particulars without having to need any kind of assistance.

The proceeds from the plan can be received by the insured party directly.This helps to further speed up the application process.

The insured stand to receive up to $1000 for their expenses once the final diagnosis has been made.

As part of the policy, benefits include doctoral check ups, drugs, tests and nursing facilities.

The coverage takes care of a variety of necessary medical services, which includes chemotherapy, lab tests, surgery, prescriptions, radiation and hospice care for terminally ill patients.

Expenses related to transportation are also covered through the policy. It covers up to 100 miles from your residential address.

With the rate of monthly premiums being low, policyholders can actually make arrangements towards insuring other members of his or her immediate family.

For undiagnosed policyholders subscribed to the Heartland National Cancer Care plan, it is possible to recover as much as up to 80% of the premium payments that were made during the course of a 15-year time frame.

Policyholders who are subscribed to the HMO plan, are entitled to receive benefits without any network restrictions.

Features of Heartland National Hospital Indemnity Critical Illness

The following statistics indicate the essential coverage provided by heartland National Indemnity Critical Illness plans and how policyholders stand to benefit from them.

· Costs of hospitalization on average cost around $9,000.

· The average age group of patients who are admitted in hospitals is around 54. Twenty-five percent of them fall between the age bracket of 44-65 while 40% of them are 64 years of age or older.

· It can be ascertained that health care costs for Americans who are 65 years and older is bound it get significantly higher. To that effect is has been estimated that health care costs for senior citizens are about four to five times higher than those of younger people.

· According to surveys, it is estimated that the number of hospital admissions is set to double by the year 2030 as baby boomers begin to age.

· Among men, lung cancer happens to be the most common type of cancer while breast cancer is the leading cause of death among women. The existence of other cancers such as melanoma, liver cancers etc. have also been known to be prevalent.

· Lack of comprehensive medical plans has led to thousands of people (about 5% approx.) being unable to receive proper medical care.

Each plan comes with features which include deductibles, copayments and other coverage options. Heartland NationalHospital Indemnity Critical Illness offers a comprehensive medical plan to its policy holders and can pave a long way towards looking after all your medical requirements.

	Silver Gold Platinum
Daily Benefits of Hospital Indemnity	$100-$300 as daily benefits. Benefit Period of 10 days.	$100-$300 as daily benefits. Benefit Period of 30 days.	$100-$300 as daily benefit. Benefit Period of 90 days.
Durable Medical Equipment	$200/ occurrence in a calendar year (Lifetime Maximum of $2500)	$300/ occurrence in a calendar year (Lifetime Maximum of $2500)	$400/ occurrence in a calendar year (Lifetime Maximum of $2500)
Ambulance	$100 for single occurrence ( Lifetime Maximum of $2,500)	$150 for single occurrence ( Lifetime Maximum of $2,500)	$200 for single occurrence (Lifetime Maximum of $2,500)
Benefit for Emergency Room	$150 per emergency room visit following an accident or injury	$200 per emergency room visit following an accident or injury	$250 per emergency room visit following an accident or injury
Physician Benefit	$25/ visit, Maximum of $75 in a calendar year.	$25/ visit, Maximum of $75 in a calendar year.	$25/ visit, Maximum of $75 in a calendar year.
Lump sum rider for cancer (optional)	Benefits for diagnosis of cancer between $1,000-$10,000.	Benefits for diagnosis of cancer between $1,000-$10,000.	Benefits for diagnosis of cancer between $1,000-$10,000 .