When enrolling into a hospital and indemnity insurance plan, you choose how much coverage you want to be paid directly to You indemnity means it’s paid to you and not to the doctor or the hospital. You get to choose how to use this money. You can add this type of insurance at any time of year. If you’d like an appointment to discuss prices and benefit options in your ZIP Code, book a free appointment at themedicarefamily.com. | Sylvia Gordon