Heart Attack & Stroke Insurance

Planning today can make a big difference if the unexpected happens tomorrow.

Heart attack and stroke are two of the leading causes of hospitalization for older adults. While Medicare provides significant coverage for emergency medical care, it doesn’t always cover all the associated costs—like high deductibles, ongoing rehabilitation, or lost income from time away from work. That’s where Heart Attack and Stroke Insurance comes in.



This type of supplemental insurance is designed to provide a lump-sum cash benefit after a covered event, helping beneficiaries manage unexpected expenses not paid by traditional health insurance.

Why Consider Heart Attack & Stroke Insurance?

As you age, your risk for cardiovascular events increases. While Medicare helps with hospital stays and physician services, it does not offer financial protection for the ripple effects of a serious medical emergency. Heart Attack and Stroke Insurance helps cover:

• High deductibles and copays

• Rehabilitation and therapy costs

• Transportation to specialists or treatment centers

• Home care assistance

• Everyday living expenses like rent, groceries, or utilities



This financial flexibility can make recovery smoother and help avoid drawing from savings or retirement accounts.

Key Questions to Ask When Evaluating Plans

Before enrolling, consider these factors to make sure the coverage fits your needs:

• What conditions are covered? Look closely at the plan definitions for heart attack, stroke, and related cardiovascular events.

• What is the benefit amount? Choose a payout that would realistically cover your anticipated expenses during recovery.

• Are there waiting periods? Some plans have waiting periods or may exclude pre-existing conditions for a set time.

• How does the claim process work? Understand what’s required to receive the benefit and how quickly the payout is made.

Enrollment Tips

You can typically apply for heart attack and stroke insurance at any time. However, premiums and eligibility may be affected by your age and health history. Some plans require minimal underwriting, while others may involve health questionnaires or medical reviews.

If you’re enrolling during Medicare’s Annual Enrollment Period (October 15 to December 7), it’s a good opportunity to add this protection while reviewing other Medicare-related options.

Get coverage for heart attack or stroke expenses. Speak with a broker today ➜