I get at least 1 hospital bill sent to me a week from our local Hospital for my clients that have a HI plan. Premium is around $27.00 but now they have their hospital copay covered if it should happen and even though they got reimbursed the $1750.00 from GTL it still goes towards their max oop for the year. Now they have a drug plan, dental, vision, health, gym, OTC for $27.00/month and don't have to worry about a large hospital copay. Has worked wonderfully since about 2008 or so and have never raised premiums, in fact they just raised a bunch of my clients daily benefit in the last year for no additional premium.I've never been a fan of HI, I feel like if they can afford a HI, they can afford a supplement plan. Plus all the stuff Ive heard about people having policies for a decade or more and then the company goes defunct and now they cant get a policy, or its too expensive. I want less stress and less angry people, not more. My personal opinion, YMMV.