Today more than ever, quality health care has become an absolute necessity. Without it, illness can mean financial disaster. The truth is, even the best health insurance plans have out-of-pocket expenses. Expenses such as deductibles, co-payments, and coverage limits can quickly add up. A Hospital Indemnity Plan is designed to supplement your current health insurance plan. It is designed to fill some of the co-pays, deductibles, or coverage gaps you would be responsible for should you need care.