Hospital Indemnity, Cancer & Heart Attack/Stroke Insurance in Newark, Ohio
Health Shield is a local, independent agency in Newark helping Licking County families add supplemental policies that pay cash benefits directly to you when a covered hospital stay or diagnosis happens.
- Benefits paid directly to you
- Works alongside your health plan
- Local Newark agent
Based in Newark, Ohio, and serving clients in 37 states by phone and video. See our licensed states.
Extra help when life happens
Supplemental cash benefits for covered events.
- Hospital stays
- Cancer diagnosis
- Heart attack & stroke
- Paid directly to you
See Supplemental Options Online
Check hospital indemnity, cancer and heart attack & stroke options with our secure instant quote tool.*
*Benefits, waiting periods, and eligibility vary by policy and state.
Three Ways to Add a Layer of Protection
Supplemental policies pay cash benefits directly to you, so you can focus on getting better instead of the bills.
Hospital Indemnity
Pays a set cash benefit for a covered hospital admission or stay, which can help with hospital copays and deductibles.
- Cash benefit for covered hospital admissions and stays
- Paid directly to you, in addition to your health plan
- Can help with hospital copays, deductibles and bills at home
- Some policies include benefits for related care*
Cancer Insurance
Pays cash benefits after a covered cancer diagnosis or treatment, as defined in the policy.
- Benefits tied to a covered diagnosis or treatment
- Help with travel, lodging, lost income or household bills
- Use the money where you need it most
- Waiting periods and limitations may apply*
Heart Attack & Stroke
Pays a cash benefit after a covered heart attack or stroke diagnosis, as defined in the policy.
- Benefit after a covered heart attack or stroke
- Help with recovery and rehabilitation costs
- Support while you're out of work
- Waiting periods and limitations may apply*
*Benefits, limitations, exclusions, waiting periods, and eligibility vary by policy and state. These are supplemental policies, not a replacement for major medical or health insurance.
Who Supplemental Coverage Is For
- People on Medicare Advantage with hospital copays. A hospital indemnity policy can help with the daily or per-stay copays many plans have.
- People with high-deductible health plans. Cash benefits can help cover your deductible and out-of-pocket costs after a covered event.
- Anyone with a family history. If cancer, heart disease or stroke runs in your family, a policy can add financial support if a covered diagnosis happens.
- Families who want a cushion. Benefits can help with rent, groceries, travel to treatment or time away from work.
How These Policies Pair With Medicare and Other Health Plans
Supplemental policies work alongside your main coverage. They don't replace it.
With Medicare Advantage
Medicare Advantage plans often have copays for hospital stays. Hospital indemnity coverage can pay a cash benefit you can put toward those costs. See our Medicare page for help with your plan.
With Original Medicare
Cancer or heart attack & stroke coverage can add cash benefits on top of Original Medicare and any Medicare Supplement plan. These policies are not Medicare Supplement insurance.
With Employer or Individual Plans
If you have a high-deductible health plan, supplemental benefits can help with your deductible and coinsurance after a covered event.
How It Works
Tell Us About Your Coverage.
Share your current health plan or Medicare coverage and what worries you most.
Compare Options.
We'll explain how each policy type works, including waiting periods and limitations.
Apply With Confidence.
If a policy fits, we'll help you apply and answer questions along the way.
Request Your Supplemental Insurance Quote
Tell us a little about your current coverage and we'll follow up with options. Submitting a form does not enroll you in a policy.
Prefer to talk?
Call a licensed agent directly, Monday through Friday, 9 AM to 6 PM ET.
Call (740) 272-5655Supplemental Insurance in Newark and Licking County
Even good health coverage leaves gaps. Deductibles, hospital copays and coinsurance can add up quickly after a hospital stay or a serious diagnosis, and everyday bills don't stop while you recover. Health Shield helps people in Newark, Heath, Granville, Pataskala and across Central Ohio understand supplemental policies that can help fill those gaps.
What supplemental policies do
Hospital indemnity, cancer and heart attack & stroke policies pay cash benefits after a covered event, as defined in each policy. Benefits are generally paid directly to you, so you choose how to use them, whether that's a deductible, a copay, a utility bill or gas money for trips to treatment.
What they are not
These are limited-benefit supplemental policies. They are not major medical coverage, they are not a replacement for health insurance or Medicare, and they are not Medicare Supplement insurance. Benefits, limitations, waiting periods and eligibility vary by policy and state.
Choosing the right fit
The right policy depends on your current coverage, your health history, your budget and the risks you worry about most. We'll look at how a policy would work with your Medicare or health insurance and explain the terms in plain English before you decide.
Supplemental Insurance FAQs
Hospital indemnity insurance is a supplemental policy that pays a set cash benefit when you have a covered hospital admission or stay. Benefits are generally paid directly to you, and you can use them for deductibles, copays or everyday bills. It is not major medical coverage and does not replace health insurance.
Health insurance pays doctors and hospitals for covered care. A cancer or heart attack and stroke policy is limited-benefit supplemental coverage that pays a cash benefit to you after a covered diagnosis or treatment, as defined in the policy. It works alongside your health plan and is not a replacement for it.
Often, yes. Many people on Medicare Advantage use hospital indemnity coverage to help with hospital copays, and some people with Original Medicare add cancer or heart attack and stroke coverage. These policies are not Medicare Supplement insurance, and you'll receive a required disclosure explaining that before you buy. Availability and eligibility vary by policy and state.
Many supplemental policies have waiting periods, pre-existing condition limitations or health questions, and some conditions may not be covered for a period of time after the policy starts. These details vary by policy and state, and we'll walk through them with you before you apply.
In most cases, no. Benefits are generally paid directly to you unless you choose otherwise, so you decide how to use them, whether that's a deductible, a copay, a mortgage payment, groceries or travel to treatment. Review each policy for its specific terms.
Yes, in many cases. Health Shield is based in Newark, Ohio, and Dalton Alexander is licensed in 37 states, so we can help by phone or video in the states where we're licensed. Call (740) 272-5655, Monday through Friday from 9 AM to 6 PM ET.
Add a Layer of Protection to Your Health Coverage
TTY: 711 · Hours: Mon–Fri, 9:00 AM – 6:00 PM ET
Health Shield is an independent insurance agency. Insurance products are offered through licensed agents and are subject to eligibility, underwriting, and plan availability in your area. Submitting a form does not guarantee coverage. Plan features, costs, and availability vary by state and by insurance company.
Hospital indemnity, cancer, and heart attack & stroke policies are limited-benefit supplemental insurance. They are not major medical coverage and are not a replacement for health insurance. These policies are not Medicare Supplement insurance. Benefits, limitations, exclusions, waiting periods, and eligibility vary by policy and state.
Health Shield is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 711), or your local State Health Insurance Assistance Program (SHIP) for information on all of your options.