Hospital Indemnity Plans

What is Hospital Indemnity Flex Insurance?

Hospital Indemnity insurance is designed to help protect your savings and security for the future. This insurance assists in offsetting the cost of deductibles, co-pays, and unexpected or additional expenses incurred but not covered by your other insurance plans. Benefits are paid directly to you, or a medical provider that you designate, and are paid in addition to any other health care coverage.

What is covered?

  • Hospital Admission Indemnity– This benefit will pay a lump sum amount if you are confined in a hospital, including observation stays.
  • Daily Hospital Indemnity– This benefit will pay a daily amount if you are confined in a hospital, including observation stays.
  • Daily Skilled Nursing Facility Indemnity– Skilled care services are services that can be only provided in a nursing facility , on a daily basis, and ordered by a doctor.
  • Doctor’s Office Visit
  • Outpatient Surgical Procedure
  • Hospital Emergency Room Visit or Ambulance Service
  • Lump Sum Cancer Fixed Indemnity– This benefit will pay a lump sum amount for the first occurrence of medically diagnosed cancer.
  • Outpatient Rehabilitation– This benefit will pay for each day you receive one of the following therapies for an outpatient basis for treatment for a covered illness or injury: occupational, physical, or speech.

Important to Remember:

  • This is NOT a Medicare Supplement plan
  • This should NOT be considered a substitute for Medicare or Medicare related health plans.
  • This insurance plan may not cover all of your medical or health care expenses.
  • This is a supplement to health insurance and is NOT a substitute for Major Medical coverage.
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