Cover the Gaps. Keep Your Cash.
Unexpected hospital stays can lead to big out-of-pocket costs—copays, deductibles, and coinsurance. Hospital Indemnity Insurance pays cash benefits directly to you so you can focus on getting better.
What is Hospital Indemnity Insurance?
It’s a supplemental policy that pays fixed cash benefits for covered events—like hospital admission or daily confinement. You choose benefit amounts that fit your budget and goals. Payments go directly to you, not the hospital, so you can use the funds for copays, deductibles, household bills, travel, or lost income.
A lump-sum when you’re admitted as an inpatient (e.g., $500–$3,000 per admission).
A set amount per day you’re confined (e.g., $100–$500/day for a set number of days).
Observation, ER, ambulance, outpatient surgery, skilled nursing, and more—tailored to your needs.
Why people add this coverage
- Offset copays, deductibles, and coinsurance under major medical.
- Cash flexibility for non-medical costs like childcare, rent, or travel.
- Keep your doctors—this benefit is in addition to your health plan.
- Portable coverage; benefits paid regardless of provider network.
Who it can help
- Individuals and families with high deductibles or copays.
- People who want predictable financial help for hospital stays.
- Those seeking budget-friendly supplemental protection.
How benefits can add up
Below are simple illustrations. Actual benefits vary by plan and state. Your policy documents control.
Short Admission
2-day inpatient stay
- Admission: $1,000
- Daily: $200 × 2 = $400
- Total Cash: $1,400
Observation + ER
ER visit, 1-day observation
- ER: $200
- Observation: $300
- Total Cash: $500
Longer Stay
5-day inpatient stay
- Admission: $1,500
- Daily: $250 × 5 = $1,250
- Total Cash: $2,750
Key Considerations
- Waiting periods, pre-existing condition limits, and state availability can apply.
- Benefits are fixed amounts; they don’t depend on your medical bills.
- You can pair this with accident, critical illness, or disability coverage.
What it’s not
- Not a substitute for major medical insurance under the ACA.
- Not a guarantee to cover every expense—benefits are limited by plan design.
Common questions
How do I file a claim?
After a covered event, submit your claim form and required documents (e.g., itemized bill, admission/discharge summary) to your carrier. Benefits are typically paid directly to you.
Does it cover maternity or mental health?
Some plans include or exclude these; availability varies. We’ll compare options and review state-specific provisions during your consultation.
Can I change benefits later?
You can often adjust coverage at renewal, subject to underwriting and carrier rules.
Book your no‑pressure consultation
We’ll discuss your goals, review typical hospital costs in your area, and show options that fit your budget.
- Understand benefit options in plain English
- Customize coverage to your copays & deductible
- Get a clear quote—no surprise fees
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