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.
Eligibility for benefits requires that coverage be in effect and that no medical restrictions apply as of the date of the hospital admission.
- 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.
Supplemental Hospital Insurance Benefits
| Subcategory | Benefit Limits (applies to subcategory) | Benefit | Benefit Amount |
|---|---|---|---|
| Admission Benefit | 1 time per sickness/injury | Admission | $200 |
| Intensive Care Unit (ICU) Supplemental Admission (Benefits paid concurrently with Admission Benefit when Covered Person is admitted to ICU) | $400 | ||
| Confinement Benefit | 1 time Confinement for each accident/sickness 365 days per calendar year for accident, sickness, or routine newborn nursery care. Newborn nursery care is covered under Confinement Benefit for up to 365 days. ICU Supplemental Hospital Confinement will pay an additional benefit for 30 of those days. | Confinement (Day 1) | $1,000 |
| Confinement Days (Day 2+) | $200 | ||
| ICU Supplemental Confinement (Day 1) (Benefits paid concurrently with Confinement Benefit when Covered Person is admitted to ICU) | $2,000 | ||
| ICU Supplemental Confinement (Day 2+) (Benefits paid concurrently with Confinement Benefit when Covered Person is admitted to ICU) | $400 | ||
| Inpatient Rehabilitation Unit Benefit4 | 60 days per calendar year | Inpatient Rehabilitation (for Injury or Sickness) | $200 |
| Inpatient Rehabilitation (for Mental Health/Substance Abuse) | $200 | ||
| Ambulance Benefit | 1 time per calendar year | Ground Ambulance Transport | $200 |
| Emergency Care | 12 times per calendar year | Emergency Room | $200 |
The Confinement Benefit will begin to be payable the day of Admission.
Benefit Payment
Benefit Payment
Susan has chest pains at home, and after contacting her doctor, she is instructed to head to her local hospital. Upon arrival, the doctor examines Susan and advises that she requires immediate admission to the Intensive Care Unit for further evaluation and treatment. After two days in the Intensive Care Unit, Susan moves to a standard room and spends two additional days recovering in the hospital. Susan was released to her primary care physician for follow-up treatment and observation. Her primary doctor is now keeping a close watch over Susan’s overall health. Depending on her health insurance, Susan’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Supplemental Hospital Insurance payments can help cover these unexpected costs or in any other way Susan sees fit.
| Covered Benefit | Benefit Amount |
|---|---|
| Regular Hospital Admission (1x) | $200 |
| ICU Supplemental Admission (1x) | $400 |
| Regular Hospital Confinement (3 total days) | $1,400 |
| ICU Supplemental Confinement (2 days) | $2,000 |
| Benefits paid by MetLife Group Hospital Indemnity Insurance | $4,000 |
Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may vary.
| Covered Benefit | Benefit Amount |
|---|---|
| Admission Benefit | $200 |
| Confinement Benefit (Day 1) | $1,000 |
| Confinement Benefit (Days 2 & 3) | $400 ($200 for each day) |
| Benefits paid by MetLife Supplemental Hospital Insurance | $1,600 |
The following benefits are payable for Jane’s baby, paid as additional benefits with Jane’s claim:
| Covered Benefit | Benefit Amount |
|---|---|
| Confinement Benefit (Day 1) | $1,000 |
| Confinement Benefit (Days 2&3) | $400 ($200 for each day) |
| Benefits paid by MetLife Supplemental Hospital Insurance | $1,400 |
Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may vary
Supplemental Hospital Insurance
| Coverage Options | Monthly Rate |
|---|---|
| Employee | $7.76 |
| Employee & Spouse | $18.55 |
| Employee & Child(ren) | $14.96 |
| Employee & Spouse/Child(ren) | $25.74 |
RESOURCE CENTER
Documents & Plan Details
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Supplemental Hospital Insurance Survey Link
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.