Due to the rising costs of healthcare in America, many people choose medical plans with higher deductibles since these plans often have more affordable premiums. However, co-pays and out-of-pocket costs still exist and can become a financial burden on someone undergoing unexpected health concerns. Out-of-pocket protection policies can assist with the out-of-pocket costs of hospitalization, an emergency accident, outpatient surgery, and even simple doctor visits. The benefit is paid directly to you and involves no deductibles and no networks.