• A burning $100 bill illustrating the financial pain of unexpected hospital bills not covered by standard health insurance plans.

    “I thought my plan covered everything — until I got a $1,750 hospital bill.”

  • Various prescription drugs on a table, representing high out-of-pocket medication costs even with insurance—emphasizing the value of prescription reimbursement programs.

    “Even with insurance, my prescriptions are costing me $130-$255 a month.”

  • Glowing emergency room sign at night, representing unexpected ambulance costs not fully covered by traditional Medicare plans.

    “I didn’t know Medicare didn’t cover the full ambulance ride.”

  • Close-up of bankruptcy paperwork reflecting how unexpected hospital and prescription costs can impact retirees without supplemental coverage.

    “My health plan says $0 premiums — but it still left me with thousands in out-of-pocket costs.”

  • Surprised senior man realizing he didn’t plan for Medicare copays—highlighting the need for hospital indemnity insurance.

    "I wish there was a way to plan ahead for my co-pays!"

Hidden Costs. Surprise Bills. Feeling Stuck?

If you’ve ever felt blindsided by what your health insurance didn’t cover, you’re not alone.

Hospital stays. Prescriptions. Ambulance rides. In-home nursing care. These aren’t small costs — they’re some of the biggest out-of-pocket expenses Americans face in retirement.

And the worst part? Most people think they’re protected… until it’s too late.

You Don’t Have to Worry About All That Now!

You can join the Hospital & Prescription Cash Back Program!

This is a state-regulated add-on plan that puts money directly back in your pocket on top of your existing health plan.

This isn’t a replacement for your Medicare or other health insurance. You keep that!

It’s a gap-filler. A safety net. A way to get money back for things your plan leaves you stuck with. And if you already have $0 copays on everything you can still get the plan and just POCKET THE REST!

And in many cases, the full cost of the program can be completely refunded every month with a rebate!

While the program doesn’t accept every person the underwriting to get approved is just 4 short questions.

Click “Get Your Cash Back Benefit” to schedule your free benefit review for this special program.

Why not turn your hospital stay, health problem, & prescriptions into Cash Back in your pocket instead of cash OUT of your pocket!?

Group of people overlooking a scenic coastline, symbolizing the financial freedom and peace of mind provided by supplemental hospital insurance.

Total Cash Back Available: $262,720!

This Plan Deposits Cash Directly Into Your Bank Account!

Use any of these services and you get cash back!

It’s like insurance for your insurance. Use the cash back to pay for your plans crazy health insurance copays. You get the full amount each time a listed service is received. Pocket the difference!

If your plan has a $0 copay for any of the services used you keep the full cash back amount!

So, How Does It Work?

Hospital and Prescription Cash Back Program details. Base Plan: Application by agent, ages 40-85, 7% household discount, cash back may exceed cost. Home health nurse offers up to $600 per day benefits for 360 days. Prescription reimbursement: $15 generic, $30 brand name (up to $720 annually). Add-ons include hospital confinement ($100-$300/day, 10 days) and ambulance ($100-$500/trip).
I called and he got me approved that day.
— Gloria H. Macon, GA
  • Cash Deposited Directly to your Account when a covered event occurs, usually within 3 days!

  • Keep your existing health insurance plan. Add this on top!

  • Hospital Stay Coverage: Get paid up to $300 per day, up to 10 days, $3000 Max!

  • In-Home Nursing Care: $300-$600/day for 360 days of care in your own home!

  • In-Home Aide Support: $150 per day for 120-180 days of an aide helping with chores like cooking, cleaning, laundry and daily tasks!

  • Prescription Reimbursement: Up to $60/month per person (even if your copay is $0!)

  • Ambulance Benefit: Up to $500 per trip!

  • Ages 40–85 may qualify

  • 7% Household Discount available, marriage not required, just the same address

I get to keep my Medicare plan I like and all the benefits it has. This has been a great addition so I don’t worry about the surprise co-pays of that plan. Clay got me such a big discount I only pay $6 to have this coverage!
— Jeorge A. San Marcos, TX
They deposited the money directly into my account 3 days after I sent in my hospital and prescription bill.
— DeRell D. Pittsburg, PA
My husband has had surgery so many times. We both got it now and it will pay for itself.
— Jeri D. Three Forks, MT
Older couple reviewing hospital indemnity plan paperwork together, showing confidence in their coverage with Old Western Insurance.

See If You Qualify!

Easy Medical Approval

  • This plan does not accept everyone medically.

  • Approval can be same day! Only 4 health questions.

Free Coverage?

  • Many people qualify to have the full cost of the plan reimbursed monthly or get a big discount. Ask how!

  • Lock in your monthly reimbursement for life before they change the program!

    Schedule a quick call with Clay or one of his agents and they will get you qualified today!

Common Questions About The Hospital & Prescription Giveback Program

Can I still get cash back for my $0 Prescriptions? I already don’t pay for them.

Absolutely! The great thing about this program is you just have to fill your prescriptions with your existing plan to get $15 for Generic Drugs and $30 for Brand Name drugs up to $60 per month with this plan. That’s $720 back per year!

If your prescription costs are really excessive ask about our Prescription Savings Program. Its another program that lets you get crazy expensive drugs directly from the manufacturer for only $48 a month.

How much does it cost?

If you are under 70 years old and have 2-4 prescriptions your net cost will be pretty close to $0 a month. Some people even MAKE MONEY off of just the $60 back for prescriptions each month.

If you are older than 70 you can still get up to $60 reimbursed per month for prescriptions. And one other qualifying health event like a hospital stay or ambulance ride will cover the rest pretty easily.

It’s kind of a cheeky retirement income trick if you expect a lot of health concerns too.

How do I know if I qualify?

Your licensed agent-usually Clay Murdock, the owner of Old Western Insurance-Will tell you on your scheduled call.

He will also make sure the way he sets it up is hand-tailored to your specific needs.

Can you help me save money other ways?

Yes, We know all the tricks and give advice on getting money back for all the Health, Life, and Financial Programs listed below and more!

See The Bonus Below!

Check Your Eligibility!!!

While we can’t promise everyone will get qualified for the Hospital & Prescription Cash Back Program, checking your eligibility is a FREE SERVICE we provide at Old Western Insurance.

Since we are so busy with this program it’s best to grab a spot on our calendar for your free call.

Dates in blue are currently available.

For other dates or times please call or text: 855-701-7113.

Plus! When you book today…

I’ll include a free personalized BONUS consultation to see if you qualify for:

✔ Food Card & OTC upgrades
✔ Medicaid or LIS programs
✔ Final Expense Reshop Savings
✔ Guaranteed Retirement Income Programs
✔ Additional benefits you may not know exist

We are always looking for ways to put more cash back into your pockets at Old Western Insurance.

Make sure to BOOK YOUR CALL to start with the Hospital & Prescriptions Cash Back Program today!

Hospital & Prescription Cash Back Program.

Hospital Indemnity Insurance Brought to you by Old Western Insurance.