A cushion for the costs insurance doesn't pay.
Hospital Indemnity
Hospital indemnity plans pay a fixed cash amount when you are admitted, regardless of what your main plan pays. You decide what the money is used for.
What to understand
Daily benefits
A set amount per day of admission, up to a maximum number of days.
Paid to you
Benefits go to you, not the hospital, and can cover any expense you choose.
Optional riders
Ambulance, observation stays, skilled nursing and outpatient surgery riders are often available.
Not medical insurance
These plans supplement medical coverage; they don't replace it.
Questions worth asking
- What are my plan's hospital copays per day?
- How many days of benefit would realistically be enough?
- Are there pre-existing condition limitations?
- Which riders are worth the extra premium?
Talk it through with Daniel
A no-cost consultation is the fastest way to find out which options actually fit your situation.