Overview
Hospital admissions can occur for many reasons, and even with comprehensive medical coverage you may still face other out-of-pocket costs. Supplemental hospital insurance provides an extra layer of financial protection by offering cash benefits that can help cover hospital stays, inpatient services, and related expenses—reducing financial strain so you can focus on recovery.
Financial Protection
Get more financial protection with Supplemental Hospital Insurance
We offer a 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
You have two Supplemental Hospital Insurance plan options to choose from. Review your options, and select the plan that works best for you.
| 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?
Review an example of one of the many ways that Supplemental Hospital Insurance can provide financial support.
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.