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Hospital Income Protection

Money To Help Pay YOUR portion of Medical Bills

Even with major medical coverage or Medicare, a sudden hospital stay often leaves a significant portion of the bill that's YOURS.

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Hospital Income Protection

Helps pay towards YOUR portion of doctor & hospital bills.

Put Money Back In Your Pocket To Help Replace What A Hospital Stay CanTake Out

No matter what insurance you have, your share of a hospital bill can quickly add up to hundreds–or even thousands–of dollars.

MooseVIP Hospital HELP Plan. Rebuilt from the ground up to pay you MORE benefits on a FASTER schedule.

How much faster? First, there’s no deductible so there’s no wait before benefits kick in. Then this upgraded plan starts paying bigger benefits more quickly than before. That means:

You can set up protection to give yourself (and your family) an extra stream of cash benefits …

One that isn’t tied to your medical insurance …

Paying regardless of your regular health plan …

Putting money back in your wallet if you were sick or hurt and ended up in the hospital.

That means $50.00 a day paid from the first day you enter the hospital. Another $50.00 on day two. Another $50.00 on day three. $50.00 each and every day for 14 full days.

HERE’S WHERE THE “MORE” COMES IN: Your cash benefits jump up to $100.00 a day on day 15.

And they stay at that double-benefit $100.00 level … paying you $100.00 day after day of your hospital stay … all the way through day 30.

AND THEN YOU GET EVEN “MORE”: It pays FOUR TIMES as much … $200.00 a day … starting on day 31. And those benefits do not go down. You stay at $200.00 a day. Every single day of your hospital stay. All the way until day 365 if needed.

But what if you run into something really serious? Like cancer? Or a heart attack? Or a stay in the Intensive Care Unit? Medical bills can quickly escalate in those situations. Hospital HELP does, too.

Your cash benefit DOUBLES for each day of a cancer, cardiac or ICU stay. That means $100.00 a day from day one. $200.00 a day starting on day 15. $400.00 a day from day 31.

Those are significant benefit payments. Sent directly to you (unless you tell us otherwise).

Spend the money however you want. There will be no questions asked.

But maybe you’re wondering what happens if you get your care in a VA hospital. (Many Moose members proudly served our nation and earned that right.) Hospital HELP stands strong for VA care, too. You get $50.00 a day for days 1-60. For up to 60 full days. Even if your VA care costs you nothing at all.

Benefits–Paid REGARDLESS OF Medicare and Your Medical Insurance

Hospital costs continue rising and there’s currently no end in sight. That’s why it’s so important to have a back-up plan like the MooseVIP Hospital HELP Plan.

The MooseVIP Hospital HELP Plan steps forward with benefits for hospital stays, intensive care, cardiac care or care for cancer, skilled nursing facilities, V.A. hospitals and even outpatient surgery.

Here’s how it works: The MooseVIP Hospital HELP Plan starts paying $50.00 a day on Day 1 of your hospital stay. That’s $350.00 paid straight to you if you stay a week. $1,500.00 if you stay for a full month.

You’re in the hospital for cancer? Or you need extra care in an intensive or cardiac care unit? Your cash benefits DOUBLE to $100.00 a day … $700.00 a week $3,000.00 if you stay a full month.

Your doctor wants you to finish recuperating in a skilled nursing facility? Your cash benefits continue with $50.00 a day sent straight to you on day one if you are under 65. Benefits start on Day 21 if you are over 65.

You need a relatively simple treatment and your doctor suggests outpatient surgery? The MooseVIP Hospital HELP Plan comes through with $50.00 cash benefits for up to 5 covered surgeries per year.

Take a look at the benefits available through the MooseVIP Hospital HELP Plan.




DAYS 1-14


DAYS 15-30


DAYS 31-365


*In lieu of hospital benefits



DAYS 1-14


DAYS 15-30


DAYS 31-365


*In lieu of hospital benefits


DAYS 1-60


*For all covered persons ending
when the member reaches age 85


DAYS 1-100
To help you recuperate after a hospital stay



More Protection

MooseVIP Hospital HELP Plan protection stands as a special bargain for Moose members…especially when you consider that your cash benefits can easily add up to hundreds–even thousands–of dollars. How are these money-saving rates possible? Because MooseVIP leveraged the group buying power of more than 1 million members. Plus, because this program is offered to Moose members and their spouses, we can keep administration costs down and pass the savings on to you.

Monthly Rates Reserved for Moose Families

Member’s Age Member Only Member & Spouse
Under 50 $6.57 $21.70
50-64 $11.25 $22.50
65-74 $13.91 $25.82
75+ $15.10 $30.20

You will be billed monthly.

Rates will include a $2.00 administrative fee if paying by credit card or a $1.00 administrative fee if paying by automatic checking withdrawal. Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.

Please Note: You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

Your Hospital HELP Plan coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation or an increase in your premiums due to a change in your health or occupation. Your rates will only increase if there is an "increase for everyone" in your age group. Your benefits will continue in full force as long as you pay your premiums on time, remain a Moose member in good standing, and the Master Policy remains in force.

Doesn’t Medicare or my Medical Insurance pay all of my hospital bills?

Generally, the answer is “no.” Medicare was never designed to pay all your hospital costs. When you go to the hospital, Medicare and most major medical insurance plans require you to pay a deductible … co-payments … balance billing … and goods and services in the hospital not covered by your plan. As a result, your out-of-pocket hospital bills could add up to hundreds, if not thousands of dollars– even for a short stay. The Hospital HELP Plan pays you a flat indemnity payment to help with your non-medical, out-of-pocket costs while in the hospital.

Do I need a medical exam to enroll?

Absolutely not. There are NO medical exams or health questions involved when you sign up for this important program. As a Moose Member aged 60 or over, you (and your spouse) are GUARANTEED coverage – no matter what your age or health now. (subject to the pre-existing conditions provision.)

I’ve had health problems in the past. Can I still sign up?

Yes. As soon as your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Any injury or sickness you’ve had in the last twelve months is automatically covered as soon as you’ve gone twelve consecutive months with no medical treatment or you’ve been covered by the Hospital HELP Plan for one continuous year, whichever happens first.

If I go to the hospital many times, will I lose this coverage?

No. It doesn’t matter how often you need to stay in the hospital. You can NEVER be singled out for cancellation or even a rate increase. So there is NO LIMIT to the number of claims you can make.

What if I decide Hospital HELP Plan isn’t right for me?

There’s no obligation with the program’s 30-Day Free Look. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not complete satisfied, just let us know. We’ll cancel your coverage and give you a complete 100% refund of any premium you've paid as long as you haven’t made any claims during that time.


The MooseVIP Hospital HELP Plan cannot pay benefits for the following:

  • Routine physical exam or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary.
  • Intentionally self-inflicted Injury, while sane or insane.(while sane in CO & MO)
  • Treatment of a nervous or mental condition, alcoholism or drug addiction. (in MI; treatment of a nervous or mental condition)
  • Injuries resulting from active military service.
  • Dental care, except as a result of Injury to sound natural teeth.
  • Well-baby care of a Newborn Dependent child.
  • Declared or undeclared war; or any act of war.
  • Pregnancy (except Complications of Pregnancy, as defined in this Policy).
  • Expenses incurred or care received outside of the United States.
  • Participating in a riot; or committing an assault or felony.

Benefits will be limited for hospitals owned or operated by the national government, up to 30 days per period of confinement (not applicable in ME).

All new injuries or illnesses will be covered immediately after your Hospital HELP coverage goes into effect. Any injury or sickness for which medical advice, care or treatment was received during the consecutive twelve-month period immediately prior to the insured person’s Effective Date (six months in California) will not be covered until the date the insured person has gone for twelve consecutive months with no medical treatment for that condition (six months in California) or has been insured under the Group Policy for one continuous year, whichever occurs first.

These materials provide a brief description of the benefits available. Complete details may be found in the Group Policy Form No. HI10000GPM. Some provisions, benefits, exclusions or limitations may vary depending on your state of residence.

Moose Logo

Offered by: Association Group Insurance Administrators

Underwritten by: Transamerica Premier Life Insurance Company, Cedar Rapids, IA

Policy # MZ0927365H0002A/3A/4A

Administered by: A.G.I.A., Inc.
P.O. Box 26860, Phoenix, AZ. 85068

Questions? Call toll-free 1-866-677-5722



This is not a Medicare Supplement Insurance Policy

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

  • Hospitalization
  • Physician services
  • Hospice
  • Outpatient prescription drugs if you are enrolled in Medicare Part D
  • Other approved items and services

Before You Buy This Insurance

  • Check the coverage in all health insurance policies you already have.
  • CFor more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
  • For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).


No Obligation 100% Money-Back Offer

You risk nothing when you sign up today. As soon as you lock in the MooseVIP Hospital HELP Plan, you’ll be mailed an official Plan Description. Look it over for 30 days.

If you’re not satisfied, just mail back your Description for a complete refund.

So you won’t owe even one penny if Hospital HELP Plan doesn’t work for you.

Policy # MZ0927365H0002A/3A/4A
Underwritten by:
Transamerica Premier Life Insurance Company, Cedar Rapids, IA.


You won't risk even one red cent by signing up for the MooseVIP Hospital HELP Plan today. That's because you're fully backed by our 30-Day Free Look.

As soon as your benefits are approved, we'll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive MooseVIP program. Take up to 30 days to look it over. If it wasn't what you had in mind, just mail back the Certificate. We'll close your benefit file and issue a complete refund off all premiums paid. No hassles and no questions asked.