With our Out-of-Pocket Protection Plan you’ll never have to worry about an inpatient hospitalization co-pay again. Our helpful experts will guide you through all of your options, free of charge.

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Lower Your Out-of-Pocket Costs

Today’s rising health insurance premiums have driven many people into larger deductibles and co-pays to keep monthly costs affordable. However, when hospitalization happens due to an injury or illness, there could be thousands of dollars in out-of-pocket costs, even with health insurance.

The Out-of-Pocket Protection Plan works like a hospital indemnity plan because it provides cash benefits in the form of a lump sum payment to you for inpatient hospitalization with the option of emergency accident and outpatient surgery benefits.

With KeenanDirect’s Out-of-Pocket Protection Plan, you can avoid financial hardship by reducing out-of-pocket costs or co-payment costs. Plans start at $15 per month and cash benefits range from $2,500 to $6,350 (paid in a lump sum).

KeenanDirect’s Out-of-Pocket Protection Plan Highlights:

  • No deductibles
  • No networks
  • Simple application process
  • Benefits paid directly to you
  • No Social Security required
  • Pays in addition to all other insurance
  • Your choice of benefits and premiums
  • Portable – if you change jobs this insurance stays with you
  • Standalone - you don’t need another insurance plan to get this one
  • Helps pay your inpatient hospitalization deductibles and co-payments

Available benefits from the Out-of-Pocket Protection Plan

Plan benefits:

Inpatient hospitalization benefit Daily inpatient benefit Doctor office visit benefit
Policy options:
Policy options:
$100 per day
$200 per day

$50 per visit

Limited to 1 per year Per hospital admission Limited to 2 per year

Optional benefits (additional premiums apply):

Emergency accident benefit Outpatient surgery benefit
$250 per injury

Policy options:
Limited to 4 per year Limited to 2 per year
Treatment must be received within 72 hours of the injury. For surgical services in an ambulatory surgical center or outpatient hospital facility.

The KeenanDirect Advantage:

  • Affordable Plans
  • Quick & Easy Application Process
  • Expert Support from Start to Finish