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Waiting periods, limitations and exclusions may apply with this Hospital Indemnity Insurance policy. Benefits may vary by state and may not be approved in all states. Premiums vary based on the benefit amount selected. The benefits and rider offered are supplemental and not intended to cover medical expenses. If you have a Health Savings Account (HSA) now, or if you plan to open an HSA in the future, please consult your tax advisor about the tax implications of this combination of plans. Hospital Cash Plan is Kanawha Insurance Company policy Form 90840 and, if applicable, optional rider policy Form 90841. Underwritten by Kanawha Insurance Company – a member of the Humana family of companies.