Hospital Indemnity Flex

Hospital Indemnity Flex can help pay for out-of-pocket costs associated with your current medical coverage.

Plan Benefits Options

Hospital Admission Indemnity

This benefit will pay a lump sum amount if you are confined in a hospital, including observation stays. The benefit is for one time per period of care and is available in $250 units, up to a maximum of $2,500.

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Daily Hospital Indemnity

This benefit will pay a daily amount if you are confined in a hospital, including observation stays. The benefit will be paid for each day of confinement and is available in $10 units, up to a daily maximum of $700. The benefit period is for one time per period of care. Available benefit periods are 3-10 or 20 days with a lifetime maximum of 365 days. Observation stays for less than 24 consecutive hours will pay 50% of the daily hospital confinement indemnity benefit, one time per period of care. This benefit is not payable if you receive the daily hospital confinement indemnity benefit.

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Benefit Riders

Daily Skilled Nursing Facility Indemnity

Skilled care services are services that can only be provided in a nursing facility, on a daily bases, and ordered by a doctor. Admission to the nursing facility must immediately follow a hospital confinement (including observation stays) least three consecutive days, with the skilled care being received on a covered day. The benefit is available in $10 units, up to a daily maximum of $200. Choice of covered days includes: days 1-20, days 21-100, or days 1-100.

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Doctor’s Office Visit Indemnity

The benefit is available in $10 units, up to a maximum of $60 per visit and up to 20 visits per calendar year.

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Outpatient Surgical Procedure Indemnity

The benefit is available in $250 units, up to a maximum of $1,500 per surgical procedure, one time per calendar year.

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Hospital Emergency Room Visit or Ambulance Service

Services must be medically necessary and on an emergency basis. The benefit amount for this service is $200 per visit/service, two times per calendar year.

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Lump Sum Cancer Fixed Indemnity

The benefit is available in $250 units, up to a maximum of $1,500 per surgical procedure, one time per calendar year.

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Outpatient Rehabilitation

This benefit will pay for each day you receive one of the following therapies on an outpatient basis for treatment of a covered illness or covered injury: occupational, physical, or speech. The benefit is available for 15 or 30 visits per calendar year, $50 per visit.

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Indemnity means “protection or security against damage or loss.” Hospital Indemnity Flex is designed to do just that help protect your savings and your security for the future. This insurance can help offset 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 your, or a medical provider that you designate, and are paid in addition to any other health care coverage.

Hospital inpatient or observation outpatient

Every year, more Medicare beneficiaries are entering hospitals as observation patients. In a span of eight years, the number doubled to nearly 1.9 million.*

*Centers for Medicare and Medicaid Services