FEATURED ARTICLE
How to Reduce the Financial Stress of a Hospital Stay
Making a sensible choice in insurance coverage could save you thousands.
Hospital Indemnity Insurance
The insurance you could use if you end up in the hospital.
Recover With Less Financial Worry
Dealing with the financial strain of hospital bills—plus additional costs you didn’t anticipate—can make your recovery even more difficult. That’s why there’s hospital indemnity insurance. Hospital indemnity insurance pays you a lump sum that you can use for anything2 your family wants, like co-pays, deductibles, and even household bills. Let’s put the focus on helping you get better.
Plan Highlights
Guaranteed family coverage3
Easy enrollment for you, your spouse or partner, and kids, plus hassle-free claims
Lump sum payment
Paid all at once directly to you to spend on anything you want, such as transport to the doctor or childcare expenses
Automatic payments
Deductions come out your paycheck, which means you don’t have think about it
Portable benefits4
Take your coverage with you, if you ever leave your employer
Choose the Right Benefits
Answer a few quick questions, and we’ll provide recommendations for benefits that support your lifestyle and goals.
FAQs
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Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.
No. This supplemental Insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.
Staying in the hospital after an accident or illness can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care or child care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.
Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident, and every claim is reviewed by a claims professional.
Yes. If your employer offers hospital indemnity insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective. 2 There are no medical exams to take and no health questions to answer.
Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.
FEATURED ARTICLE
Featured Video
Hospital indemnity insurance might seem complex, until you have someone explain it to you in simple terms. See for yourself.
DID YOU KNOW?
An average hospital stay might cost $10,9005. Hospital indemnity insurance pays regardless of what your medical insurance covers.
SEE HER STORY
SEE HER STORY
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Carri understands that having a range of supplemental insurance products can help her be prepared for the unexpected with little extra effort.
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Hospital Indemnity Insurance
Hospital indemnity insurance can help to offset additional hospitalization expenses.
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From comprehensive collision to enhanced rental coverage, our policies cover as little or as much as you need, giving you priceless peace of mind:
- Quickly bounce back from the unexpected with roadside assistance, repair and referral networks, replacement coverage for total loss, and identity theft protection services
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- Save on routine eye exams, eyewear and fittings, laser vision correction services, and more5
- Always convenient for your life: Choose from the thousands of participating vision providers in our network to find the one who works best for you and your family
Once you’ve taken your pet to the veterinarian and paid your resulting bill, submit a claim and get reimbursed for eligible expenses in as little as ten days.
Eligible expenses include:
- Accidents, illnesses, ultrasounds, surgeries, and holistic care
- Flexible product offerings with straightforward pricing and options, group discounts2, customizable limits, and deductible savings3
- Quick 3-step enrollment and hassle-free claims experience with most claims
Accidents change everything. They can endanger your family, alter your way of life, and often damage your investments. Get back on track.
- Injuries: such as fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.
- Medical Services and Treatments: such as ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances.
Save on taxes when you contribute, use untaxed dollars to pay for qualified medical expenses, and enjoy tax-free investment growth for future needs, like retirement healthcare expenses.
Expenses covered:
- Copays, coinsurance, and deductibles
- Office visits, X-rays, and lab work
- Qualified vision and dental expenses
- Prescriptions and over-the-counter medications with a doctor’s prescription
- Other qualifying items such as blood pressure monitors and diabetes testing supplies
Our customizable coverage gives you peace of mind when unexpected disasters strike.
- Liability coverage handles legal fees that occur from a mishap on your property
- Unparalleled 24/7 customer service to file claims and make payments on your schedule
It’s scary enough being admitted into the hospital, so why worry about whether or not your existing medical insurance is going to cover everything?
Hospital indemnity insurance benefits may include:
- Coverage for hospital admission, accident-related inpatient rehabilitation, and hospital stays
- Guaranteed acceptance for you and eligible family members
- Convenient payroll deduction
Explore more employee benefits during open enrollment
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