If you experience a hospital stay, chances are high you’ll end up paying your entire deductible amount and your health insurance may start paying benefits. However, you may still be exposed to surprise bills that your health insurance won’t cover, leaving you on the line for the entire amount. A report by the Consumer Reports National Research Center found that nearly one-third of privately insured Americans received a surprise medical bill where their health plan paid less than expected in the last two years.

Our hospital indemnity insurance product complements your existing health insurance plan by directly paying you fixed-dollar cash benefits in the event you or a covered family member are hospitalized due to a covered sickness or accident—in addition to any other insurance you may have.

Cash benefits can be used to help pay the many expenses mentioned above:

  • Deductibles
  • Co-pays
  • Out-of-network hospital costs
  • Everyday bills and expenses when you’re unable to work