Hospital Indemnity Coverage

Hospital Indemnity Insurance is a type of supplemental insurance that pays you a fixed cash amount when you’re admitted to the hospital. This money is paid directly to you and can be used for anything—not just medical bills.

Health insurance pays your medical providers and often leaves you with out-of-pocket costs like deductibles, copays, or coinsurance. Hospital Indemnity Insurance pays you so you can cover those expenses—or use the funds however you see fit.

No. While many people use it alongside a Medicare Advantage plan, Hospital Indemnity Insurance is also available for Marketplace plans and employer group insurance plans. It can be valuable for anyone with high out-of-pocket costs.

Most plans are very affordable, often under $1/day depending on your age and benefits selected. We'll walk you through the pricing during your consultation so there are no surprises.

Yes! The benefit is paid directly to you. There are no restrictions on how you use the money. That flexibility is what makes this coverage so helpful in a time of crisis.

What does it cover? Benefits can include:

• Daily payments for hospital stays

• Lump-sum payments for surgery, ambulance rides, or ER visits

• Optional riders for skilled nursing, cancer treatments, or outpatient procedures Coverage varies by policy, and we’ll help you understand the fine print before you enroll.

Simply contact our office to schedule a no-cost consultation. Our licensed team will review your current coverage and help determine if hospital indemnity is a good fit for your situation.

Yes—we work with a variety of trusted companies to help find the right fit for your needs and budget. Our recommendations are always tailored and unbiased.