Annual Enrollment Period and Open Enrollment Period are just around the corner. As you gear up for the selling season, consider how SureBridge products underwritten by The Chesapeake Life Insurance Company can help you offer the ancillary health coverage that your clients may need! Ancillary products are a great way to help ease potential blows to the budget, especially for costly medical events like a hospital stay. A HospitalWise Hospital Indemnity plan could help with your client’s out-of-pocket exposure, whether it’s a substantial deductible in an ACA plan or the hospital copays in a Medicare Advantage plan.
The HospitalWise plan provides a daily benefit for hospitalization. Designed for flexibility, optional riders can be purchased for additional benefits if other conditions are met, such as an ambulance ride, a visit to the ER, or even a prolonged stay in a skilled nursing facility. Your clients will love the fact that the benefits are paid directly to them; the payments are theirs to use as they see fit.
If you've never considered offering HospitalWise before, now is the perfect time as this product will have a Guaranteed Issue (GI)* plan configuration in 31 states starting September 16. More states are expected to follow soon! There is no underwriting if the GI amounts are chosen, and the premium and commission rates will be staying the same.
SureBridge understands that marketing an underwritten product to Medicare Advantage and ACA clients can be challenging, so they're excited to provide this new version of the plan to offer clients, regardless of their health status.
*The SureBridge HospitalWise Guaranteed Issue plan is subject to the same Pre-Existing, Waiting Period and other policy terms and provisions applicable to Simplified Issue plans.
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You may have questions regarding the new rules put in place by CMS for marketing and communications. Utilize the attached document as a reference and resource to keep you compliant.
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