Hospital Indemnity Plans
Extra Protection for Life’s Unexpected Hospital Stays
Peace of Mind When You Need It Most
A hospital stay can be stressful enough — worrying about extra costs shouldn’t add to it. A Hospital Indemnity Plan is a simple, affordable way to protect yourself financially when the unexpected happens. Whether it’s covering copays, deductibles, or everyday expenses, these plans put cash directly in your hands to use however you need.
What Is a Hospital Indemnity Plan?
A Hospital Indemnity Plan is supplemental coverage that pays you a cash benefit if you are admitted to the hospital. This money can help you cover costs like:
- Hospital copays and deductibles
- Skilled nursing or rehab stays
- Transportation or lodging for family
- Everyday living expenses during recovery
How It Works
- You are admitted to a hospital.
- Your plan pays a predetermined cash amount — either a daily rate or a lump sum.
- You decide how to use the money — for medical bills, living costs, or anything else.
Why Consider a Hospital Indemnity Plan?
- Affordable monthly premiums
- Cash paid directly to you — not the hospital or provider
- Works alongside Medicare or other health insurance
- Flexible coverage options for individuals and families
- Added peace of mind during stressful times
Who Can Benefit?
Hospital Indemnity Plans are a great fit for:
- Medicare beneficiaries with hospital copays
- People with high-deductible health plans
- Families who want added financial security
- Anyone on a fixed income
Get Personalized Guidance
Every situation is unique. Let us help you find a plan that fits your needs and your budget.