Scott, the OP is concerned about making it difficult to collect your benefits, i.e., getting paid once you ARE claim eligible. Sure, with all policies you need to submit a written plan of care and be certified as chronically ill to get your claim approved. But let’s not get it twisted Scott. Once on claim, reimbursement policies require an extra hurdle that cash indemnity policies do not.
Best cash indemnity options
Best cash indemnity options