Overview
Get more financial protection with Supplemental Hospital Insurance
We are offering a new Supplemental Hospital Insurance plan to complement your medical plan coverage. A hospital stay can happen unexpectedly and have costly impacts. Hospital Insurance provides extra financial protection for you and your loved ones, so you can focus on recovery. With Hospital Insurance:
- You or your covered dependents will get a benefit paid directly after a covered hospitalization for an injury or illness. There is also extra coverage for hospitalization for baby deliveries.
- You can use the money received at your discretion. It’s commonly used to help cover medical expenses, childcare costs, or help around the house.
- Plus, an annual $50 (per adult) preventive care benefit is available once you or your covered dependents complete an annual physical.
There are two plan options to choose from: High and Low. You will pay the full cost of the premium for this benefit. Benefits aren’t reduced because you receive a payment from any other coverage you have, such as medical.
How the Plans Compare
| Benefit Type* | High Plan | Low Plan |
|---|---|---|
| Hospital Admission (Non-ICU and ICU) | $2,000 | $1,000 |
| Hospital Stay | $200 per day | $100 per day |
| Hospital Intensive Care Unit Stay | $2,400 one time $400 per day |
$1,200 one time $200 per day |
| Newborn Nursery Care Admission | $500 | $500 |
| Newborn Nursery Care Stay | $50 per day | $50 per day |
| Wellness Treatment, Health Screening Test and Preventive Care Benefit | $50 per day | $50 per day |
*Plan limits apply to all benefits
How does Hospital Insurance work?
Meet Jane
- Jane is expecting the birth of her baby soon
- She goes into labor away from home and is taken to the hospital in an ambulance
- After delivering a healthy baby, she spends two nights in the hospital
Covered care could include:
| High Plan | Low Plan | |
|---|---|---|
| Admission (includes night 1) | $2,000 | $1,000 |
| Hospital stay night 2 | $200 | $100 |
| Newborn Nursery Care Admission | $500 | $500 |
| Newborn Nursery Care stay | $50 | $50 |
| Total Cash Benefit | $2,750 | $1,650 |
The cash benefit is paid directly to Jane to spend as desired.