Hospital Indemnity
Even with health insurance, a hospital stay can lead to deductibles and out-of-pocket costs. Hospital indemnity insurance pays cash benefits directly to you when you are admitted to a hospital.
Key Coverage Highlights
- •Cash benefits paid directly to you
- •Use funds for expenses that may include deductibles and everyday costs
- •Coverage for hospital admission and related stays
- •Options that may complement your health or Medicare plan
Who Needs Hospital Indemnity?
Anyone with a high-deductible health plan or Medicare Advantage plan looking to help fill cost gaps.
Core Advantages & Protection Benefits
Cash to You
Benefits are paid directly to you, generally independent of what your primary plan pays.
Help With Cost Gaps
May help with the out-of-pocket costs that can come with a hospital stay.
Flexible Use
You can use the cash benefit where you need it while you recover.
Frequently Asked Questions
Q: Does hospital indemnity pay in addition to my primary health plan?
A: Hospital indemnity benefits are paid directly to you and are generally independent of what your primary health or Medicare plan pays.
Q: Is a physical required to apply?
A: A physical exam is generally not required; qualification typically involves simple application questions.
Q: Are pre-existing conditions covered?
A: Pre-existing conditions may be excluded from coverage depending on the carrier's requirements. We can help you understand what may apply for the options you're considering.
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