Hospital Help Plan

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Generally, the answer is "no." Medicare was never designed to pay all your hospital costs. When you go to the hospital, Medicare and most major medical insurance plans require you to pay a deductible, co-payments, balance billing, and goods and services not covered by your plan. Your out-of-pocket hospital bills could add up to hundreds or thousands of dollars. The Hospital HELP Plan pays you a flat indemnity payment to help with these costs.

Absolutely not. There are NO medical exams or health questions involved when you sign up. As a Good Sam member, you (and your spouse) are GUARANTEED coverage – no matter what your age or health now, subject to the pre-existing conditions provision.

Yes. As soon as your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Any injury or sickness you've had in the last twelve months will not be covered until you've gone twelve consecutive months with no medical treatment or you've been covered by the Hospital HELP Plan for one continuous year, whichever happens first.

No. It doesn't matter how often you need to stay in the hospital. You can NEVER be singled out as an individual for cancellation or even a rate increase. There is NO LIMIT to the number of claims you can make.

There's no obligation with the program's 30-Day Free Look. As soon as you sign up, we'll send you a Certificate of Insurance. Look it over for a full 30 days. If you're not completely satisfied, just let us know. We'll cancel your coverage and give you a complete 100% refund of any premium you've paid as long as you haven't made any claims during that time.

Monthly rates vary by age: Under 50 ($6.60 member only, $13.20 member & spouse), 50-64 ($11.30 member only, $22.60 member & spouse), 65+ ($12.90 member only, $25.80 member & spouse). Administrative fees apply based on payment method.

Benefits start at $50/day for the first 14 days, jump to $100/day for days 15-30, then increase to $200/day from day 31 onward. For cancer, intensive care, or cardiac care, all benefit levels DOUBLE.