
If you become injured or ill and are hospitalized, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill, including coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses. that might occur.
With Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays and expenses. The money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need.
The plan also acts as a financial backup for some of the out-of-pocket expenses that most health care coverage plans will not cover. Patients can use the money how they see fit and are not limited by the restrictions that come with other health plans.
This plan pays a daily benefit if you have a covered stay in a hospital. The benefit amount is determined based on the number of days you stay. This coverage is a limited benefit plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Benefits of the plan include:
Hospital Confinement Benefit
Hospital Admission Benefit
Hospital Intensive Care Benefit
Intermediate Intensive Care Step-Down Unit
Successor Insured Benefit
Below are a few examples of how your insurance benefit could be used (coverage amounts may vary):
Medical expenses
Travel, food and lodging expenses for family members
Child care
Everyday expenses such as utilities and groceries
Hospital indemnity insurance is an additional insurance policy you can buy that pays you a fixed amount for each day you spend in a hospital. It can help cover out-of-pocket hospitalization costs that Original Medicare or a Medicare Advantage plan will not.
Your cost is based on several factors including your age, any special features you select, and the amount of coverage you want. Also, you may be eligible for a premium discount if you do not use tobacco.
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