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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Q: What gaps does it fill?
An Inpatient Medical Expense Insurance policy is designed as a companion to your medical coverage. It can reduce or in some cases, even totally eliminate the inpatient out-of-pocket expenses you or your covered dependents may incur.
 
This benefit is designed to offset the cost you incur as an inpatient in the hospital when your health plan applies such expenses to your deductible or coinsurance. Coverage includes inpatient hospital stays, inpatient surgeries, and physician’s in-hospital charges. Also includes coverage for emergency room treatment if the ER treatment results in a hospital admission.