Hospital Cash Coverage

One hospital visit
shouldn't wreck you financially.

Cash paid directly to you when you're hospitalized — use it for your bills, your rent, your deductible, whatever you need. Available to nearly everyone ages 18–85.

$1,300+
Avg. ER visit cost
4.5 days
Avg. hospital stay
Arizona
Available now · more states coming
Plain talk: This is a supplemental insurance plan — not a replacement for major medical coverage. It pays you cash when you're hospitalized, on top of whatever coverage you have. No network restrictions. No pre-authorization. Cash goes directly to you.
Step 1 of 2 — Base plan

Build your quote

Adjust your age and coverage level to see your estimated monthly cost instantly.

Available ages 18–85.  Guaranteed issue if you're between ages 64½ and 65½ — no health questions required for the base plan.
Estimated base premium
$31 /mo
$200/day · up to 10 days · max cash payout $2,000

Rates shown are estimates — actual rates vary by state. Your advisor will provide your exact quote. In some states, days 16–31 pay a reduced benefit of $15/day.

Step 2 of 2 — Optional add-ons

Customize your plan

Select any riders to add to your base plan. Each one adds a small amount to your monthly premium.

Lump sum cancer benefit
Cash lump sum on first-ever cancer diagnosis while covered. $1,000–$20,000. One payment, no restrictions on use.
From ~$7.55/mo (varies by state)
Lump sum hospital confinement
Extra one-time cash each time you're admitted — $500 to $2,500 per stay, on top of your daily benefit.
From ~$1.15/mo (varies by state)
Outpatient surgery
Cash benefit for procedures at an outpatient facility or ambulatory surgical center. $100–$1,000 per procedure.
From ~$3.75/mo (varies by state)
Ambulance
$200 per trip for ground or air ambulance. Average ride costs $1,200+. Up to 3 trips per year covered.
~$2.20/mo (varies by state)
Dental, vision & hearing
Up to $1,500/year for dental, vision exams, prescription eyewear, and hearing aids. Preventive cleanings included.
~$33.80/mo (varies by state)
Wellness screening
$25 per preventive health screening — up to 4 per year. Colonoscopies, mammograms, blood panels, and more.
~$2.65/mo (varies by state)
Total estimated monthly premium
Base plan only — select riders above to add coverage
$31/mo
Real-world examples

What does this actually pay out?

Based on a $300/day plan with 10-day coverage and lump sum hospital rider ($1,000). Your amounts will vary.

Emergency
Appendectomy — 3-day stay
Daily benefit (3 days)$900
Lump sum hospital$1,000
Ambulance (if added)$200
Cash paid to you$2,100
Serious illness
Heart event — 6-day stay
Daily benefit (6 days)$1,800
Lump sum hospital$1,000
ER benefit$150
Cash paid to you$2,950
High deductible plan
Fall injury — 2-day stay + ER
Daily benefit (2 days)$600
ER benefit$150
Lump sum hospital$1,000
Toward your deductible$1,750
Cancer rider
First cancer diagnosis (rider added)
Lump sum cancer benefitUp to $20,000
Hospital days coveredOngoing
Restrictions on useNone
Paid directly to youYour call
Cash. No network, no hassle.
Benefits paid directly to you — not to a hospital or provider. Use the money any way you need.
Available ages 18–85
Open to nearly everyone. Short health questionnaire required. Guaranteed issue for ages 64½–65½. Pre-existing condition exclusion applies for first 6 months.
Guaranteed renewable
Can't be canceled as long as you pay premiums. Rates may change by class with 31 days notice.
Underwritten by Heartland National
Heartland National Life Insurance Company. Policy form 93017. Currently available in Arizona — more states coming soon.
Common questions

Straight answers

Does this replace health insurance? +
No — and we'll be upfront about that. This is a supplemental plan that pays you cash when you're hospitalized. It is not major medical insurance, doesn't pay providers directly, and doesn't satisfy ACA minimum essential coverage requirements. What it does: puts cash in your hands fast when an unexpected hospital event would otherwise wreck your finances.
Who is this actually a good fit for? +
Anyone with a high-deductible health plan who's one hospital visit away from blowing their entire deductible. Self-employed people, gig workers, and 1099 contractors with bare-bones or no coverage. People who recently aged off a parent's plan. And anyone who's thought "what would happen financially if I ended up in the hospital for a week?" — this is the answer to that question.
Are pre-existing conditions covered? +
There's a 6-month waiting period for pre-existing conditions — defined as conditions for which you received treatment or medical advice in the 6 months before your effective date. After 6 months, those conditions are covered like anything else. Some serious conditions identified in the health questionnaire will result in a declined application.
How does the cash actually get paid to me? +
You file a claim after your hospital discharge. Heartland National processes it and sends payment directly to you — not to the hospital. No network requirement, no pre-authorization needed. Use the cash for your deductible, your mortgage, groceries — whatever you need.
I already have health insurance. Does this still make sense? +
Often yes, especially if your deductible is $2,000 or higher. A 5-day hospital stay could cost you that entire deductible before your insurance pays a dollar. This plan pays you cash on top of whatever your primary insurance covers — it doesn't reduce your other benefits or conflict with existing coverage.
What states is this available in? +
Currently available in Arizona. Additional states are being added — contact us to find out if your state is available yet.

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Secure Advantage Flex Hospital Indemnity · Underwritten by Heartland National Life Insurance Company · Policy form 93017 (or state equivalent) · This is a limited benefit health policy and is not a substitute for hospital or medical expense insurance, a health maintenance organization (HMO) contract, or major medical expense insurance. Benefits, limitations, and exclusions apply and vary by state. Pre-existing condition exclusion applies. Always read your outline of coverage. This is a solicitation of insurance. A licensed insurance agent may contact you.