When Health Insurance Isn’t Enough: The Case for Critical Care Coverage

Picture this:
You’re sitting in a doctor’s office. The world goes quiet as you hear the words, “It’s cancer.” Or maybe it’s a sudden chest pain that turns into a hospital stay and a diagnosis of heart disease.

Now, imagine the bills that come next — not just the hospital ones, but the mortgage, the car payment, the groceries, and everything else that doesn’t stop while you’re fighting to recover.

That’s where Critical Illness coverage steps in.

In fact, nearly two-thirds of U.S. bankruptcies stem from medical expenses — and 78% of those individuals had health insurance. That’s the hidden truth of critical illness: survival often comes with serious financial strain.

That’s why Realm Health offers Critical Care Benefit Booster for most of our current members.*

Call Realm Health Today Request a Free Consultation

Financial Peace of Mind During Life’s Toughest Moments
When life changes in an instant, the last thing you should worry about is money. Critical Illness Coverage steps in with a lump-sum cash benefit to help cover the unexpected — from lost income to travel expenses to out-of-network bills your traditional health plan won’t touch.

And thanks to Realm Health’s Critical Care Benefit Booster, that protection goes even further.

How the Critical Care Benefit Booster Works
The Booster is designed to amplify your existing coverage when it matters most. If you’re diagnosed with a serious medical condition, you receive:

• A $5,000 First Diagnosis Benefit (paid once per insured, per lifetime)
• A 50% increase on multiple key benefits under your plan while you’re receiving treatment

That means more coverage for hospital stays, ICU care, physical therapy, and more — right when the costs are highest.

Conditions Covered by the Booster
You’re eligible for added benefits when diagnosed with one of these major conditions:

• Acute Respiratory Distress Syndrome (ARDS)
• End-Stage Renal Failure
• Heart Attack
• Invasive Cancer
• Non-Invasive Cancer
• Major Organ Failure (excluding Kidney)
• Ruptured Aneurysm
• Stroke

Each condition represents a moment when financial stability and emotional resilience are tested. Realm Health ensures you have both.

More Benefits. More Support. Less Stress.
When treated for a covered diagnosis, your existing Realm Health plan can increase several benefits by up to 50%, including:

• Initial and daily hospitalization
• ICU confinement and daily ICU benefits
• Emergency Room care
• Physical therapy
• Inpatient and outpatient surgery
• Family member lodging
• Blood, plasma, or platelet treatment
• Invasive diagnostic services
• Hospice confinement

With no lifetime maximum, this booster delivers long-term reassurance for you and your family.

Real-Life Example
Consider a truck driver who suffers a heart attack on the job. After surgery, weeks in recovery, and follow-up therapy, his family faces thousands in unexpected costs — even after insurance.

Because he enrolled in Realm Health’s Critical Care Benefit Booster, he received:

• A $5,000 lump-sum upon diagnosis
• 50% more coverage for his hospitalization, ICU stay, and therapy

That money didn’t just cover bills — it covered peace of mind.

Protect Your Health — and Your Future
You can’t predict when a critical illness will strike, but you can prepare for the financial impact. Adding Realm Health’s Critical Care Benefit Booster to your current plan is one of the smartest ways to protect yourself, your family, and your financial future.

Next Steps
Talk to a Realm Health representative today to learn how Critical Illness Coverage can fit into your benefits plan.

We’ll walk you through your options, your savings potential, and how to make sure you’re protected when it matters most.

*The Critical Care Booster is automatically included in the HI plans, Standard Plus, Premium Plus and Executive Plus. Call Realm Health Today Request a Free Consultation