Hospital Indemnity Insurance

Your hospital indemnity insurance premiums are impacted by factors such as:

• The benefits you select
• Your age
• Your health status

In general, premiums for this type of plan may be lower than ACA plan premiums because hospitalization insurance plans offer less coverage than ACA plans. Find plan options available to you and compare premium costs and coverages by getting a hospital insurance quote. Or call 888-855-6837 to speak with a licensed agent.

When you are hospitalized due to an injury or illness, hospital indemnity insurance may provide benefits for the following types of medical services:

• Hospital room and board
• Inpatient physician’s visits
• Inpatient prescription medications
• Inpatient surgery
• Outpatient surgery
• Ambulance services

If you combine your hospital insurance plan with critical illness coverage or select a hospitalization insurance plan, which includes that type of coverage, your insurance may also provide benefits for medical services related to hospitalization for conditions such as:

• Cancer
• Heart attack
• Stroke
• Major organ transplant
• Coma
• Kidney failure

You may also have the option to customize your hospital insurance policy, and select benefits to provide coverage for outpatient services such as preventive care, urgent care and diagnostic services (X-rays and lab tests). Remember, you must read any policy you’re considering carefully to understand what is covered and what is excluded. The above lists are only examples. Call 888-855-6837 for more details about available plan options.

Typically coverage is not limited to a network of doctors and hospitals. This also means that the plan benefits are paid at a fixed amount, so your insurer has not negotiated any limits on what you are charged for in-patient services.^[1]