Hospital Indemnity Insurance is a type of supplemental insurance that pays cash benefits directly to you when you’re admitted to a hospital or receive certain types of inpatient care. These benefits are paid regardless of your other insurance and can be used however you see fit—whether for medical costs, travel expenses, or everyday bills.
Coverage varies by plan, but most Hospital Indemnity Insurance policies include:
– Daily cash benefits for each day you’re hospitalized
– Coverage for observation stays
– Benefits for skilled nursing facility stays
– Surgery and ambulance services
– Optional riders for critical illness, lump-sum cancer, or accidental injury
These benefits help fill the gaps left by Medicare Advantage plans, which often include deductibles, copays, and coinsurance that can add up quickly during a hospital stay.
Medicare Advantage plans often offer great value—but they typically come with hospital copays or daily fees for inpatient care. A Hospital Indemnity plan is designed to complement your Medicare Advantage coverage by helping you:
– Offset daily hospital copays, which can be $200–$400 or more per day
– Manage unexpected out-of-pocket expenses
– Avoid dipping into savings or retirement income during a health crisis
It’s a popular option for individuals on a fixed income who want cost certainty during medical events.
Hospital Indemnity Insurance is available to most individuals aged 65 and older, and enrollment is not limited to the Medicare Annual Enrollment Period—you can apply at any time. In many cases, no medical exam is required, but you may need to answer a few health-related questions.
Costs depend on your age, state of residence, benefit levels, and any added coverage options (such as critical illness or accident riders). On average, premiums are less than $100 per month, making it an affordable solution for many Medicare beneficiaries.
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Wed, Oct 09, 2024
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