Supplemental Hospital Insurance
Supplemental Hospital Insurance provides benefit payments for covered events regardless of any other payments you may receive. This includes hospital stays, childbirth, inpatient rehabilitation, ambulance transport and emergency care.
Help pay for out-of-pocket costs related to hospital stays
Unexpected hospital1 stays can lead to expenses that quickly add up. Even the best medical plans could leave you with expenses for services not covered. Supplemental Hospital Insurance provides you a benefit for a covered event that can help cover the costs you might not anticipate, so you can focus more on recovering and less on how much the next test is going to cost.
- You’ll receive a lump-sum payment to use as you see fit
- Pays regardless of what your medical insurance covers
- Coverage for hospital admission, stays and inpatient rehab may be included2
Did you know studies show that you can spend on average $30,000 for a three-day hospital stay in the US?3
An unexpected hospital stay can happen at any time
But, you can help yourself be financially prepared and focus on getting well with Supplemental Hospital Insurance.
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Documents & Plan Details
Supplemental Hospital Insurance FAQs
Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during the open enrollment period and be actively at work. Some states require the insured to have medical coverage, and dependents may be subject to medical restrictions as outlined in the Certificate.
Enroll on Amazon’s A to Z Benefits – https://atoz.amazon.work/amazonbenefits.
Hospital stays can be pricey and often unexpected. Even the best medical plans can leave you with extra expenses to pay for services that just aren’t covered,4 including things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.
Yes. Your Supplemental Hospital Insurance coverage is guaranteed, regardless of your health.5 You just need to be actively at work. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.
Payments go directly to you, not to doctors, hospitals or any other health care providers. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it with you wherever you go. Your coverage will only end if you stop paying your premium or if your current employer chooses to cancel the group Supplemental Hospital Insurance policy.6
VIDEO
Help Alleviate the Cost from Hospital Stays
Supplement your current health plan and help protect your finances with Supplemental Hospital Insurance.
1 "Hospital" does not include certain facilities such as nursing homes, convalescent care or extended care facilities.details. Please consult your certificate for details.
2 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.
3 Source: HealthCare.gov “Why bother with health insurance?”. https://www.healthcare.gov/young-adults/ready-to-apply/ Accessed February 2025.
4 There may be a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
5 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.
6 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.
METLIFE'S SUPPLEMENTAL HOSPITAL INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There may be a preexisting condition limitation for hospital sickness benefits. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group supplemental hospital insurance is pending regulatory approval.