Hospital Indemnity Insurance
Hospital indemnity insurance can help you be more financially prepared.
Help pay for out-of-pocket costs related to hospital stays
Unexpected hospital1 stays, or even a planned2 hospitalization,3 can lead to expenses that quickly add up. Even the best medical plans could leave you with expenses for services not covered. Hospital indemnity insurance pays you a benefit for covered events that you can use to 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,3,4 stays and accident-related rehab (accidents only)3
Did you know the average per-day hospital cost in the U.S. is $2,883?5
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.
Useful Documents
Lump-sum payment to use as you see fit for yourself and your family.
To view detailed plan information, obtain ID cards and submit claims please visit: www.MyBenefits.metlife.com
Hospital Indemnity Insurance FAQs
Enrollment is available during Annual Enrollment, at new hire enrollment or due to a qualifying life event, to U.S. based Boeing Employees who work more than 19 hours a week, except for those represented by IAM 751 and W24, IAM 837 and IBEW 1 (based on the terms of current applicable collective bargaining agreement). Boeing Aerospace Operations, Adient Aerospace, LLC, Aurora Flight Sciences, Boeing EnCore Interiors, LLC, Boeing Intelligence & Analytics, Inc., ForeFlight LLC, Insitu Inc., Liquid Robotics, Millennium Space Systems, Tapestry Solutions, Montana Aviation Research, Wisk Aerospace LLC employees are not eligible. To be covered, you must be an active employee when the policy becomes effective.
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,2 including 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. Hospital Indemnity Insurance helps supplement your medical plan, accidental death and dismemberment plan, and business travel accident plan.
Yes. Your hospital indemnity coverage is guaranteed, regardless of your health, if you enroll during annual enrollment, new hire enrollment or due to a qualifying life event.6 If you elect coverage, you need to be an active eligible U.S. Boeing employee as of January 1 when the policy becomes effective. 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. There’s no need to coordinate it with any other insurance you may have. Benefits are paid at the same level no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it with you wherever you go. Generally, your coverage will only end if you stop paying your premium.7
The Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance benefits are payable when treatment and services are provided in the United States, Canada or Mexico.
In order to be eligible for a Hospital Indemnity payment, your hospitalization must begin after the coverage effective date.
Premiums will be paid through payroll deduction on an after-tax basis.
Yes, these plans are not disqualifying health plans. Employees who are enrolled in the Advantage+ plan and elect(ed) the HSA will continue to be eligible to make or receive contributions to their HSA at HealthEquity.
VIDEO
Hospital Indemnity
Supplement your current health plan and help protect your finances with hospital indemnity insurance.
We’re here to answer any questions you may have on your new Voluntary Benefits options.
1 “Hospital” does not include certain facilities such as nursing homes, convalescent care or extended care facilities. Please consult your certificate for details.
2 There may be a pre-existing exclusion for covered sicknesses. Covered services/treatments must be the result of an accident or sickness as defined in the certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
3 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.
4 When the plan pays an Admission Benefit, the Confinement Benefit may begin to pay on Day 2.
5 Hospital and Surgery Costs. https://www.debt.org/medical/hospital-surgery-costs/ March 2023.
6 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 apply to dependents serving in the armed forces or living overseas.
7 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 HOSPITAL INDEMNITY 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 prior hospital confinement may be required to receive certain benefits. There is a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. 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 Hospital Indemnity Insurance is pending regulatory approval.