Out of pocket copays, deductibles, out of pocket maximums when you are hospitalized adds up.  We always think well I am healthy, it won’t happen to me.  With the raising costs in health insurance, deductibles and out of pocket costs in case of an accident or hospitalization you could look at a hospital indemnity plan for services such as ambulance, inpatient hospital stay or skilled nursing, it could be costly.  Contact our office at (641) 856-3375 and let’s go over your insurance plan and see if a hospital indemnity plan could benefit you.