Build coverage around the benefits that matter to you
The base hospital benefit can be combined with optional riders. Your agent can help explain availability, waiting periods, overlapping-benefit limits, and state-specific rules.
Base Hospital Benefits
Choose a one-day benefit from $1,000-$2,500 or a 3-15 day benefit from $100-$990 per day. Short-duration, observation, emergency-room, mental-health, and additional daily benefits are included subject to policy terms.
Guaranteed Purchase Option + Wellness
Before age 80, eligible applicants may add a guaranteed purchase option that works with the annual $100 wellness benefit. Carrier rules apply.
Ambulance Service
Choose $50-$400 per covered ground or air ambulance service. The current guide limits issue age to 80.
Outpatient Therapy
Pays $50 per covered day for a 15-day or 30-day calendar-year option, including specified therapy services.
Skilled Nursing Facility
Option 1 covers eligible days 1-50 and Option 2 covers eligible days 21-100. Choose $100-$300 per day.
Cancer Lump Sum
Choose $2,500-$20,000, with a standard option or an option that includes the referenced recurrence benefit. Waiting periods and definitions apply.
Critical Accident
Choose a $5,000 or $10,000 lump-sum accident benefit. Covered events and waiting periods vary; the referenced Texas brochure notes no waiting period.
Lump Sum Hospital
Adds $250, $500, or $750 during a qualifying confinement. This rider is unavailable with the one-day base plan.
Outpatient Surgical
Choose $250, $500, $750, or $1,000 for qualifying outpatient surgical procedures, subject to annual limits.
Dental & Vision
Choose a $400, $800, or $1,200 annual benefit after the applicable waiting period.
See how your selections change the estimated premium
The estimator adds the base plan, selected riders, policy fee, minimum-premium rule, payment mode, and optional spouse policy.
Questions about this coverage?
Larry Bellinger Jr can help explain general coverage concepts and the options available in your area.