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  1. How Hospital Insurance could help. Emergency room co-pay $100. Hospital admission benefit $1,500. Deductible $500. Daily hospital confinement benefit ($100 x 5 days) Co-insurance for five-day hospital stay ($10,000 x 20%) Total out-of-pocket expenses $2,600. Total benefits paid $2,000. For more details, talk with your HR representative.

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    • Disability

      Benefits payable until retirement age. Amount that your...

  2. health insurance covers and the employee’s financial . responsibility. Other insurance benefits, including supplemental health insurance, can help bridge this coverage gap to help you better protect your finances. Protecting . families and . finances. In the previous five years, 61% . have used their health insurance for medical treatment ...

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  4. How does it Work. Long-term care insurance begins to provide coverage 90 days after a doctor determines that long-term care is needed. The reason there’s a 90-day waiting period is because that’s usually how long your health care will pay for care services, and also because long-term care insurance only covers long-term care.

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