Hospital / Medical Indemnity Plans

Common coverages include hospital admission and daily hospital confinement, intensive care stays, and often outpatient surgery, emergency room visits, ambulance services, and doctor visits depending on the plan.

After a covered event, you receive a fixed daily or lump-sum payment directly, which you can use for anything—deductibles, bills, living expenses, or travel for care.

No. Fixed-indemnity/hospital indemnity plans are supplements, not substitutes . They do not meet ACA minimum essential coverage and typically don’t include full essential health benefits.

Most employer-sponsored hospital indemnity plans are guaranteed-issue —no medical questions or exams required. Solo or individual plans may have underwriting requirements.

Claims should be filed shortly after hospitalization —typically within 90 days to a year. Once submitted, many record decisions within 5 business days .

Yes—most plans allow you to cover spouses and children under the same policy, though the premium cost may increase.

Many employer-offered plans include portability options, allowing you to continue coverage by paying premiums directly—though availability varies by state.

Hospital indemnity premiums are generally low—frequently $10–$30/month —depending on coverage level, selected benefits, and whether dependents are added. Premiums vary by age, health, coverage amount, and carrier — figures shown are illustrative. Contact us for a personalized quote.

It offers a helpful financial buffer against unexpected hospital-related expenses—like copays, deductibles, travel, childcare, or lost wages—helping preserve family savings during recovery.