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Supplemental Health Insurance

Protect your savings from unexpected expenses

Your hard-earned savings could be at risk because of an accident or illness you have no way of predicting or preventing. The Hospital Cash Plan is insurance that pays cash to you, or your designee, when you're sick or injured and need medical attention.

Why choose Hospital Cash Plan?

This hospital insurance offers several advantages:

  • Help with healthcare costs - Even if you already have insurance, this plan pays you cash for emergency room treatment for accidental injury or sickness. It also pays benefits for hospital confinement and outpatient surgery
  • Optional benefit offers additional coverage – An optional daily benefit rider is available if you want additional coverage for hospital and intensive care unit (ICU) confinement. For more information, see Plan Details

How Hospital Cash Plan works

This plan provides lump-sum cash payments to use as you choose. For example, you can use the cash to help pay for things your other insurance plans may not cover like:

  • Copayments and deductibles
  • Transportation expenses
  • Help with childcare while you recover

The lump-sum benefit for hospital confinement ranges from $250 to $2,000. For more information about our hospital insurance plan benefits.

No one plans to get sick or injured – be prepared if it happens to you

This plan provides lump sum benefits for hospital confinement, outpatient surgery, and accidental injury or sickness. Hospital Cash Plan is a hospital indemnity plan – which means it pays a set amount if you’re confined in a hospital. The benefits are paid directly to you or your designee.

Available benefits for Hospital Cash Plan

Here’s an example of available benefits for this hospital indemnity plan.

Lump Sum for Hospital Confinement

Lump Sum for Accidental Injury and Sickness

Lump Sum for Outpatient Surgery

Five policy options:

  • $250

  • $500

  • $1,000

  • $1,500

  • $2,000

  • $150 for each emergency room visit

  • Within 72 hours of an accidental injury

  • $150 for each outpatient surgery

  • Paid per admittance/visit

  • For multiple surgeries within one admittance/visit, policy provides one cash payment

Maximum of one confinement for each insured per year Maximum payments per year:
  • Individual - 2
  • Single Parent - 4
  • Family - 6
Maximum payments per year:
  • Individual - 2
  • Single Parent - 4
  • Family - 6

Details about the optional daily benefit

An optional hospital indemnity/intensive care unit (ICU) daily benefit rider is available if you want additional coverage. We have three policy options:

  • $50/day ($200/day if ICU)
  • $100/day ($400/day if ICU)
  • $200/day ($800/day if ICU)

This rider pays benefits for a maximum of 30 days (varies by state) if you’re confined to a hospital under a doctor’s supervision – either because of an injury or illness. As long as the rider is in force, the benefit is paid on day one along with the lump-sum hospital confinement benefit. A period of confinement could be:

  • One continuous hospital confinement
  • Or two or more hospital confinements for the same or related injury or sickness (unless the confinements are separated by at least 180 consecutive days from the start of one to the beginning of another, in which case they would be treated as separate confinements)

Answers to common questions about hospital indemnity insurance

These frequently asked questions apply to the Hospital Cash Plan only.

What is hospital indemnity insurance?

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital. The Hospital Cash Plan is a hospital indemnity insurance plan.

How is the Hospital Cash Plan different from a traditional medical plan?

Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Hospital Cash Plan pays a lump-sum payment directly to the insured for a covered hospital confinement, outpatient surgery, and emergency injury or sickness.

Is this plan compatible with a High Deductible Health Plan (HDHP) and Health Savings Account (HSA)?

If you have an HDHP now (with or without an HSA), or if you plan to have these benefits in the future, we encourage you to consult your tax advisor. Your tax advisor can explain the tax implications of the Hospital Cash Plan and help you make informed decisions about your healthcare coverage.

Do I have to be employed to enroll in the Hospital Cash Plan?

No. Enrollment isn’t dependent on current or future employment. As long as you pay your premiums on time, coverage is guaranteed renewable to age 70.

I’m thinking about getting hospital indemnity insurance for all of my family members. When are kids no longer eligible for the policy?

At age 19 – or 26 if they’re full-time students. This may vary by state.

Is there a waiting period before the Hospital Cash Plan pays benefits?

Yes. Generally a waiting period applies for the following situations. Benefits may vary by state and may not be approved in all states

  • Cancer, hernia(s), adenoids and appendix or tonsils – (6) months unless treated on an emergency basis
  • Pregnancy and childbirth - (10) months

No benefits are provided or paid under this policy for care or treatment of any covered person donating an organ occurring during the first (12) months from the date of policy.

How is the hospital indemnity insurance benefit paid?

When you experience a hospital confinement, outpatient surgery, or emergency accident or sickness, you submit a claim form along with the receipts for services received. You or your designee will receive a lump-sum payment as described in the policy. You or your designee can use the cash for whatever you choose.



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