Your health. Your choices. Clear guidance for real life.
I’m Benjamin Faust, an independent insurance agent. I help people explore hospital indemnity and home health care insurance, understand the costs and limitations, and decide whether additional coverage makes sense for them.
You don’t need to have all the right questions. We can start with a conversation.
Please don’t send Social Security or Medicare numbers, medical details, or financial information by ordinary text message. We can discuss a safer way to share anything needed.
Hospital indemnity insurance
Help preparing for expenses that can come with a hospital stay.
Even with health coverage, a hospital stay may bring out-of-pocket expenses. Hospital indemnity insurance may pay a specified cash benefit for a qualifying hospital stay or other covered event, depending on the policy.
Together, we can review the benefits, premiums, waiting periods, exclusions, and benefit limits alongside your existing coverage. This supplemental insurance does not replace comprehensive health coverage or guarantee that every expense will be covered.
Home health care insurance
Explore coverage with your comfort and independence in mind.
Receiving care at home can raise questions about services, costs, and what your current coverage provides. Depending on the policy, home health care insurance may provide benefits for certain qualifying care services or care-related needs.
I’ll help you understand which services a policy covers, when benefits become available, and the waiting periods, exclusions, and limits. Skilled care, help with daily activities, and longer-term custodial care are different needs; a policy may not cover all of them.
A conversation that starts with you
We’ll begin with what matters to you, review relevant options from the insurers I represent, and talk through the trade-offs in everyday language. You decide whether to move forward.
Questions about Medicare?
For Medicare information and ways to connect with me about your options, visit my Spark Advisors profile. You can also call or text me directly at (484) 261-4707.
Frequently asked questions
Do I need additional coverage if I already have health insurance?
That depends on your current coverage, budget, and potential out-of-pocket expenses. We can review what you already have and whether the benefits of an additional policy justify its premiums for your situation.
Does hospital indemnity insurance cover every hospital expense?
No. A policy pays benefits only for covered events under its terms. Benefit amounts, waiting periods, exclusions, and limits vary. We’ll review those details before you decide.
Will home health care insurance cover all care at home?
No. Covered services and eligibility requirements vary by policy. We’ll review the specific policy rather than assume it covers skilled care, personal assistance, or ongoing custodial care.
What should I include in my first text?
Your first name, a general question, and a good time to reach you are enough to start. Please do not text Social Security or Medicare numbers, medical details, or financial information.
Let’s talk about your options
Your questions are welcome. Call or text Benjamin Faust at (484) 261-4707 to start a conversation.
Please don’t send Social Security or Medicare numbers, medical details, or financial information by ordinary text message. We can discuss a safer way to share anything needed.
Important insurance information
Insurance product availability, eligibility, benefits, premiums, exclusions, and limitations vary by policy and location. This page provides general information and is not a guarantee of coverage, benefits, or eligibility.
Benjamin Faust is an independent insurance agent licensed in Kansas, Kentucky, New Mexico, Ohio, South Carolina, and Texas. National Producer Number (NPN): 22226241.
Product availability, eligibility, premiums, benefits, exclusions, and limitations vary by policy and state. Refer to the policy for complete terms.
Benjamin Faust is not affiliated with or endorsed by the United States government or the federal Medicare program.
Not affiliated with the United States government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.