Jim, is a medicare beneficiary. He had a recent sickness and qualifies for skilled nursing facility coverage through Medicare. The daily costs in the skilled nursing facility is $284 and Jim receives services for 30 days. With Jim being on Medicare he pays $0 for days 1-20. And he pays 167.50 for days 21-100. So Jim is now left with out of pocket expense totaling $1675. Through a Skilled Nursing Rider that he included in his Hospital Indemnity Plan, Jim chose the benefit of $100 day per day. His Hospital Indemnity plan paid him $3000 to help him supplement the cost of his care. A hospital indemnity plan can add benefits to your needs we can build a plan that is unique for you. To find out more about what a Hospital Indemnity Plan can do for you and how it fits your unique needs contact us today at (641) 856-3375.