Hospital Indemnity Insurance

When You Can Enroll
You can elect hospital indemnity insurance within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.

What to Know

• This insurance helps cover costs related to a stay in the hospital or other medical facility.
• It does not replace medical coverage.
• Payouts depend on the type of care needed (e.g., $1,500 for a hospital admission, $500 for an intensive care admission, and $100 for a daily hospital stay).
• Available for you and your covered dependents.
• This plan pays a $50 benefit for one Be Well screening each year for you and other covered family members. The eligible screenings include:
  • Annual exams by a physician, including sports physicals and well child visits, and dental and vision exams.
  • Cancer screenings including pap smear and colonoscopy.
  • Immunizations including HPV, MMR, tetanus, and influenza.
  • Cardiovascular function, cholesterol, and diabetes screenings.
• You will need to have health insurance coverage to use this hospital indemnity plan.

Example

Chris has complications from his diabetes which resulted in a two-day hospital stay. During that time, he was off work, and his spouse also took time off, too. He had out-of-pocket expenses including medical services, parking, and meals. Hospital indemnity insurance provided cash benefits to help cover these costs.

Monthly Employee Premiums*