Hospital Indemnity Plans
Hospital Indemnity Plans provide cash benefits to help cover out-of-pocket expenses during hospital stays. These plans pay you directly based on the services you receive, helping offset deductibles, copays, and other costs not covered by Medicare. With flexible coverage options, hospital indemnity insurance gives you financial peace of mind when unexpected hospital visits occur.
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Why Choose Hospital Indemnity Plans
Financial protection when unexpected hospital stays occur
Hospital Indemnity Plan Options
Compare hospital indemnity plans to find cash-benefit coverage that helps pay for hospital copays and deductibles
| Feature | Premium |
|---|---|
| Daily Hospital Benefit | $300/day |
| ICU Daily Benefit | $600/day |
| Emergency Room Coverage | $400 |
| Surgical Benefits | $1,500 |
| Ambulance Coverage | $350 |
| Diagnostic Testing | $100 |
| Annual Premium Range | $100 - $140/mo |
| Deductible | $0 |
These are example coverages and premiums; actual hospital indemnity plan details will vary.
How It Works
Four simple steps to securing your Hospital Indemnity coverage
Understand Your Coverage Needs
We'll help you evaluate your potential gaps in hospital coverage, helping you understand how Hospital Indemnity Plans can offset out-of-pocket costs like copays and deductibles.
Review Plan Options
Our expert advisors compare hospital indemnity plan options, comparing daily hospital benefit amounts, maximum benefit periods, and additional coverage for ICU stays or surgeries.
Quick Enrollment
The enrollment process is straightforward and hassle-free. We assist you with completing the application and answer any questions to ensure you're comfortable with your coverage selection.
Access Benefits
When you're hospitalized, simply file a claim to receive your cash benefits. These funds can be used however you choose: to cover medical bills, household expenses, or any other needs during recovery.
Frequently Asked Questions
Find answers to common questions about hospital indemnity insurance.
Hospital indemnity insurance pays you a fixed cash benefit when you're hospitalized. Unlike traditional health insurance that pays providers directly, indemnity plans pay YOU—giving you flexibility to use the money for medical bills, living expenses, or anything else.
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