Bridge the Gap at Retirement Age with Heartland's Hospital Coverage Flex

As you approach retirement and prepare to enroll in Medicare, it's important to think about more than just your new benefits. Many Medicare Advantage plans come with copays for hospital stays, outpatient surgery, and skilled nursing — and those costs can add up fast. For those just turning 65, Heartland's Hospital Coverage Flex is a powerful, guaranteed-issue plan designed to give you financial peace of mind right when you need it most.

Guaranteed Issue — No Health Questions for New Retirees

Heartland’s Hospital Coverage Flex plan is guaranteed issue for anyone between the ages of 64½ and 65½ — and that includes any benefit level you choose. That means no underwriting, no medical exams, and no hassle. If you’re enrolling in Medicare for the first time, this is the perfect window to lock in hospital coverage with no risk of denial.

What the Plan Covers

This flexible hospital indemnity plan provides cash benefits paid directly to you to help cover those big out-of-pocket costs Medicare Advantage doesn’t. You can choose the benefit level that works best for your needs and budget, with options for:

• Daily hospital stay benefits

• Observation care

• Emergency Room

• Ambulance rides (ground and air)

• Skilled nursing facility care

• Outpatient surgery

• Major diagnostic exams (like MRIs or CT scans)

• Lump sum cancer benefit (optional)

These benefits help ensure that a hospital visit won’t derail your retirement savings. Whether it's a broken hip, unexpected pneumonia, or an emergency outpatient procedure — this plan is built to cover the gaps.

Why It Matters

According to the CDC, adults 65 and older are frequently hospitalized for heart failure, sepsis, COPD, and falls leading to fractures. Recovery can be expensive, especially with Medicare Advantage plans that may charge copays per day for hospital and nursing facility stays. Heartland’s plan gives you an extra layer of protection so you’re not stuck paying thousands out of pocket when the unexpected happens.

Make the Most of Your Medicare Enrollment Window

If you're turning 65 soon, this is a one-time opportunity to enroll in a guaranteed issue hospital plan — with no health questions and full access to benefit levels. It's easy to get started — you can even get a quote emailed to you at utahavenue.com, or talk to one of our local agents at Utah Avenue Insurance who can walk you through your options.

Better coverage starts here.