Up to $100,000 in home healthcare, plus hospital indemnity and a $3,500 family caregiver benefit — with a built-in pharmacy reimbursement that, for many of our customers, offsets the entire monthly premium.
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Here's how. The built-in pharmacy reimbursement returns up to $600 per year — which, for customers already taking regular medications, lines up almost exactly with the monthly premium.
The pharmacy benefit pays $25 toward each brand-name fill and $10 toward each generic, up to $600 per year. Two brand-name medications a month already returns about $50 a month — which, for most plan holders, lines up almost exactly with the monthly premium.
The net effect: home healthcare coverage, hospital indemnity, and a $3,500 family caregiver benefit — for what often works out to just a few dollars a month, or sometimes nothing at all.
*Figures shown are illustrative, based on typical Plan B benefit levels for a representative applicant. Actual premiums, benefits, and individual results vary by plan, age, state, and qualifying prescriptions. Your licensed agent will quote exact pricing during your free consultation.
Medicare is essential — but it isn't comprehensive. The biggest gaps show up exactly when families are most vulnerable: hospitalization and long-term home care.
The result is a quiet, predictable problem: families drain savings, lean on adult children, or simply go without the care they need. Indemnify America exists to help close that gap before it ever shows up at your door.
The plans we represent are designed to fit alongside your existing Medicare or Medicare Advantage coverage — not replace it — with cash benefits paid directly to you when you need them.
Up to $100,000 in available home healthcare benefits, with a $300 daily benefit maximum — covering skilled nursing, home health aides, physical and occupational therapy, and more. Benefits reset after 180 claim-free days.
A fixed cash benefit for every day you spend admitted to the hospital — paid to you, not the hospital. Use it for deductibles, copays, lost income, or anything else that comes up. The cushion Medicare Advantage simply doesn't provide.
Up to $600/year in prescription benefits ($25 brand / $10 generic per fill) plus a $3,500 lump sum for the family member or loved one who steps up to help. Real support for the people who quietly carry the weight.
Specific benefits, premiums, and availability vary by plan, state, and underwriting. Figures shown reflect typical mid-tier benefit levels and are for illustration only. Your licensed agent will walk you through the exact plan options available in your state before you decide on anything.
Fill out the form below or give us a call at (561) 916-6746. Takes about ninety seconds.
A real, licensed Indemnify America agent — not a robot — walks you through what you qualify for, in plain English, on a recorded line.
If a plan is right for you, your agent handles the paperwork — and you get a free-look period to review everything before it's final.
We built Indemnify America because we kept hearing the same story from American families: "I thought I was covered. I wasn't." Our agents don't push. They educate. They take the time most call centers won't.
Every agent on our team is properly licensed in the states they serve. Every call is recorded for your protection and ours.
We read the fine print so you don't have to — and we'll explain exactly what's covered, what isn't, and what it costs before you commit to anything.
After enrollment, you have a state-mandated free-look window to review your policy in full. If it isn't right, cancel for a full refund — no questions asked.
When you call, a person answers. No phone trees that loop. Have a question after enrollment? Call back and we're still here.
Fill out the form and a licensed Indemnify America agent will call you back — usually within the hour during business hours. No obligation. The consultation is free.
No. Indemnify America is not Medicare, and our agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. The plans we represent are supplemental — they work alongside your existing Medicare or Medicare Advantage coverage to fill the gaps those plans leave behind. You keep what you have. We add to it.
Medicare provides only short-term home healthcare under specific medical conditions — typically up to about 21 days, and only for skilled services. It does not cover ongoing custodial care (help with bathing, dressing, meals, mobility), and Medicare Advantage plans typically charge $2,000–$3,000 out-of-pocket per hospitalization. Our plans pay cash benefits directly to you to help cover those gaps.
Most American seniors aged 50–85 on Medicare in approved states qualify, subject to a short set of health questions during enrollment. The fastest way to find out is to request a quote and let a licensed agent walk through your specific situation with you. There's no obligation.
Premiums vary by plan, age, and state. Most clients we work with find comprehensive coverage starting around $50 per month — and the included prescription benefit often offsets a meaningful portion of that. Your agent will quote exact pricing during your free consultation. No hidden fees, no surprises.
When a covered event occurs — a home healthcare service or a hospital admission — the insurance carrier pays a fixed dollar amount directly to you, not to the provider. You decide how to use it: pay deductibles, cover rent, replace lost income, hire help, anything. The check belongs to you.
Never. Our agents are trained to explain and educate. If a plan isn't right for you, they'll tell you so. After enrollment, you also have a state-mandated free-look period to review the full policy paperwork — and if it's not right, you cancel for a full refund.
The plans we represent are issued by licensed, established insurance carriers regulated by your state's Department of Insurance. Your agent will tell you exactly which carrier and policy form you're considering before you commit to anything — and you can verify everything independently.
A free, no-obligation call with a licensed agent. We'll quote your exact premium, calculate your specific pharmacy benefit, and show you the real net cost for your situation. No pressure. No fine print.
