Hospital indemnity insurance
Protect your savings from unexpected medical expenses. A hospital indemnity plan provides direct cash benefits to help cover copays, deductibles, and everyday costs during a hospital stay or qualifying medical event.
Key coverage protections
Medicare Advantage and Original Medicare cover essential health services, but out-of-pocket expenses can still add up quickly. A hospital indemnity policy delivers supplemental financial security for common medical situations.
Inpatient stays
Receive a fixed cash benefit for each day spent admitted in the hospital to help offset daily copayments and deductible requirements.
Emergency and transport
Safeguard your budget against steep charges for emergency room visits, observation room stays, and ground or air ambulance transportation.
Outpatient surgery
Help cover facility fees, physician copays, and recovery needs associated with qualified outpatient procedures and diagnostic testing.
Cash benefits paid directly to you
Unlike traditional health insurance that pays medical providers directly, hospital indemnity benefits are paid straight to you. Use your funds for copayments, coinsurance, prescription costs, or household expenses while you recover.
Supplemental protection designed for Medicare
Hospital indemnity coverage does not replace your primary Medicare plan. Instead, it provides an extra layer of financial protection. For Medicare Advantage enrollees with daily hospital copays, adding an indemnity policy can effectively close out-of-pocket gaps. At Plan2Enroll, our licensed agents review your current policy details, deductibles, and maximum out-of-pocket limits to find a tailored fit.
Guidance from licensed agents
Benefit amounts, eligibility, waiting periods, and qualifying events vary across policies. We take the confusion out of insurance by walking you through options that match your medical preferences and monthly budget. There is never any obligation or pressure to enroll.
