A hospital indemnity plan can help protect your client’s savings from unexpected out-of-pocket costs that their Medicare or Medicare Supplement plan will not cover. If you’re not sure how you clients can utilize a hospital indemnity plan then click on the button below for details.
WHAT IS A HOSPITAL INDEMNITY PLAN?
To see what carriers offer a hospital indemnity product click on the carrier image below for a brief overview of each plan.
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Continental Life
- CLI Hospital Indemnity State Availability: KS, MN, VT
- CLI Hospital Indemnity Flex State Availability: AL, AR, AZ, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WI, WV, WY,
- Issue ages: 18-89
- Two Benefit Options available*
- Option 1: Lump Sum Benefit
- Able to use one time, per period of care, in $250 increments up to $2500
- Option 2: Daily Benefit
- Benefit is paid each day of confinement in $10 increments up to $700
- Benefit periods: 3 – 10 or 20 days
- Observation stays for less than 24 hours will pay 50%
- Both benefits reset after 60 continuous days without requested medical care from a hospital or skilled nursing facility.
- Option 1: Lump Sum Benefit
- Optional Benefit riders*
- Nursing Facility
- $10 increments up to $200, and can chose between 1-20, 21-100, or 1-100 days
- Doctor Office Visit
- $10 increments up to $60 per visit and 20 visits per year
- Outpatient Surgical Procedure
- Available in $250 increments up to $1500 per procedure, once a policy year
- Hospital Emergency Room Visit or Ambulance Service
- For a medical emergency $200 per visit or service is provided up to two (2) times per policy year
- Lump Sum Cancer
- Benefit will pay a lump sum for first occurrence of cancer, with plans of: $2500, $5000, & $10,000 once per life
- Outpatient Rehab
- Will pay for each day of therapies, in plans of 15 or 30 visits per year, and $50 per visit
- Pre-existing conditions are not covered for any condition for which the insured has been medically diagnosed, treated by, or sought advice from, or consulted with, a physician during the six (6) months before the coverage effective date.
- Nursing Facility
*plan benefits and riders vary by state
Vantage Flex 65
- State Availability: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KY, MA, MI, MS, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, WV, WY
- Issue Ages: 18-65
- After the initial term, your coverage can be renewed until the client is 95 years old.
- Vantage Flex 65 Benefits*
- Daily Benefit of $100-$1500 a day
- Choose a benefit period of 1, 5, 10, or 15 days
- Maximum period of confinements per policy year is two
- Daily Benefit of $100-$1500 a day
- Optional benefit riders*
- Daily Outpatient General Radiology Service
- Daily Outpatient Major Diagnosis Exam
- Daily Emergency Care
- Daily Outpatient Surgical Procedure
- Daily Durable Medical Equipment Benefit
- Daily Ambulance Benefit
- Daily Skilled Nursing Facility Confinement
- Daily Cancer Diagnosis
- Daily Observation Unit Confinement Benefit
- 5% household discount
*plan benefits and riders vary by state
Flexible Choice
- State Availability: AL, AK, AZ, AR, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY
- Issue Ages: 50-85
- Benefit Plans Available
- Option 1*
- Hospital confinement
- Daily benefit of $100-$450 in increments of $25
- Benefit option of 6 or 10 days
- Second Opinion Benefit
- Benefit pays $50
- Hospital confinement
- Option 2*
- Hospital confinement
- Daily benefit of $100-$450 in increments of $25
- Benefit option of 6 or 10 days
- Second opinion benefit
- Benefit pays $50
- Observation room
- Benefit pays $100/day for days 20-100
- Skilled nursing facility
- Benefit pays $100 for days 21-100
- Hospital confinement
- Option 3*
- Hospital confinement
- Daily benefit of $100-$450 in increments of $25
- Benefit option of 6 or 10 days
- Second option benefit
- Benefit pays $50
- Observation room
- Benefit pays $100/day for days 20-100
- Skilled nursing facility
- Benefit pays $100 for days 21-100
- Hospital admission
- Benefit option amounts: $250, $500, or $750
- Ambulance transportation
- Benefit pays a $150 lump sum benefit
- Emergency room treatment
- Benefit pays a $50 lump sum benefit
- Hospital confinement
- Option 1*
- Additional Riders*
- Accident fixed indemnity
- Specified disease
- Lump sum cancer and recurrence
- Lump sum heart attack, stroke and restoration
- Renewable for life
- Maximum of four hospital confinements/person/calendar year
- No Coverage on injury or illness that occurred within 12 months of the effective date for the Indemnity plan
*plan benefits and riders vary by state
Advantage Plus Elite
- State Availability: AL, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
- Issue ages: 40-85
- Guarantee Issue ages 64 ½ to 68 (in most states)
- Two Benefit Options Available
- Lump Sum Benefit
- Covers hospital confinement and hospital observation
- 1-day benefit up to $2500
- Daily Hospital Benefit
- Covers hospital confinement and hospital observation
- Benefit is paid each day of confinement in $10 increments up to $750
- Benefit periods: 3, 4, 5, 6, 7, 8, 9, 10, or 15 days
- Benefits restore fully and for an unlimited amount of times after 60 days of no hospital confinement
- Short Duration Stay Benefit of between 6-24 hours for either observation or confinement
- Mental Health Benefits
- Policy will pay $175 per day for up to seven days if client is confined in a hospital for a mental or nervous disorder
- Emergency Room benefits
- Benefit will pay $150 if you are treated in an emergency room, emergency care, or urgent care facility due to an accident or injury
- Lump Sum Benefit
- Optional Riders*
- Skilled Nursing Facility Benefit
- Ambulance Benefit
- Outpatient Therapy Benefit
- Cancer Lump Sum Benefit
- Outpatient Surgical Benefit
- Critical Accident Benefit
- Lump Sum Hospital Benefit
- Dental and Vision Benefit
- Pre-existing conditions are not covered unless the loss begins more than six (6) months after their effective date of coverage
*plan benefits and riders vary by state
Advantage Plus
- State Availability: AL, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
- Issue ages: 40-85
- Guarantee Issue ages 64 ½ to 65 1/2 (in most states)
- Two Benefit Options Available
- Lump Sum Benefit
- Covers hospital confinement and hospital observation
- 1-day benefit from $1000 – $2500
- Daily Hospital Benefit
- Covers hospital confinement and hospital observation
- Benefit is paid each day of confinement in $10 increments up to $750
- Benefit periods: 3, 6, 10, or 21 days
- Benefits restore fully and for an unlimited amount of times after 60 days of no hospital confinement
- Short Duration Stay Benefit of 12-24 hours is included in 3 and 6 day periods
- Mental Health Benefits
- Policy will pay $175 per day for up to seven days if client is confined in a hospital for a mental or nervous disorder
- Emergency Room benefits
- Benefit will pay $150 if you are admitted to the hospital within 24 hours following an emergency room visit due to accident or injury
- Lump Sum Benefit
- Optional Riders*
- Cancer Lump Sum Benefit
- Critical Accident Benefit
- Ambulance Benefit
- Dental and Vision Benefit
- Skilled Nursing Facility Benefit
- Short Duration Hospital Stay (for 10 and 21 day benefit)
- Outpatient Surgical Benefit
- Pre-existing conditions are not covered unless the loss begins more than six (6) months after their effective date of coverage
*plan benefits and riders vary by state
Advantage Plus
- State Availability: AL, AZ, AR, CO, GA, IL, IN, KS, LA, MS, MO, NE, NV, OK, SC, TN, TX, UT, WY, FL
- Issue Ages: 18-85
- Guarantee issue ages 64 ½ to 65 ½ (in most states)
- Secure Advantage Benefit Options*
- Daily Benefit of $100-$500 a day
- Choose a benefit period of 1 – 10, 15, 20, or 31 days
- Benefits restore after being out of the hospital for 30 consecutive days
- Daily Benefit of $100-$500 a day
- Observation Unit Benefits
- The benefit will pay the observation unit indemnity for each day the services in an observation unit due to sickness or injury
- Emergency Room (ER) Benefits
- The ER plan will pay the benefit for each period of care received in an emergency room or hospital affiliated emergency care due to sickness or injury
- Optional Riders*
- Lump Sum Cancer Benefit
- Ambulance Rider
- Lump Sum Hospital Confinement Benefit
- Lump Sum Outpatient Surgery Benefit
- Skilled Nursing Facility Benefit
- Wellness Benefit
- Dental, Vision, and Hearing Benefit
- 7% household discount
*plan benefits and riders vary by state
Medico
- State Availability: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- Issue Ages: 40-85
- Benefit Options
- Daily Benefit of $100-$600 in increments of $25
- Choose periods of 6, 7, 8, 9, 10, 21, or 31 days
- Additional Benefits*
- Observational Unit Benefit
- This plan pays 100% of Hospital Confinement Benefit amount per day for a maximum of 6 days, per policy year, while in a hospital observation unit
- Emergency Room Benefit
- This benefit pays $150 per day when admitted to the hospital within 24 hours of the injury for a maximum of 4 days per policy year
- Transportation and Lodging
- This pays $100 per day, up to 10 days per policy year, when receiving treatment within a medical facility more than 50 miles from the insured’s residence
- Inpatient Mental Health Benefit
- This benefit pays $175 per day of confinement in a hospital due to a mental or nervous disorder, covered for up to seven days during the policy year
- Observational Unit Benefit
- Optional riders*
- Ambulance or Urgent Care Services
- Cancer Diagnosis
- Outpatient Surgery
- Outpatient Therapy and Chiropractic
- Skilled Nursing Services
- Lump Sum Cancer
- Urgent Care Center
- 7% Household Discount
*plan benefits and riders vary by state
Hospital Secure
- State Availability: AK, AL, AR, AZ, CA, GA, GU, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, ND, NE, NM, NV, OK, PR, SC, SD, TN, TX, UT, VA, VI, WI, WV, WY
- Issue Ages: 18-64
- Hospital Secure Benefit Options*:
- Plan A
- Hospital Confinement Benefit: $1000, $1500, $2000, or $2500
- Can choose optional riders
- Plan B
- Hospital Confinement Benefit: $1000, $1500, $2000, or $2500 per day
- Outpatient surgical benefit
- $100 per day
- Doctor office visit benefit
- $30 per day
- Emergency room benefit
- $100 per day
- Emergency travel benefit
- $200 per day when emergency occurs more than 100 miles from the insured person’s residence
- Can choose optional riders
- Plan A
- Optional Riders*
- Hospitalization Daily Benefit Rider
- $100, $200, or $300 per day of confinement
- Pet Boarding Benefit Rider
- $30 per day, up to 14 days
- Hospitalization Daily Benefit Rider
This plan is for clients UNDER the age of 65 looking for a cash benefit to help cover their deductible or other out of pocket costs associated with recovery in the hospital.
*plan benefits and riders vary by state