Hospital Indemnity Insurance
Hospital visits can be costly. Hospital Indemnity insurance can help.
An unexpected hospital stay can happen at any time
We all share a better understanding of the impacts of unexpected health issues. The financial impacts can also be significant. You can be financially prepared with hospital indemnity insurance.
Hospital indemnity insurance is designed to be an economical way for you to supplement your health care plan.
The cost of a hospital stay can really add up. In fact, the average price of a hospital stay in the U.S. is $10,000.1
While hospital stays can be unexpected, they don’t have to be financially devastating. Protect your budget and enroll in Hospital Indemnity insurance today. Here’s why:
- Benefits
You will receive a lump-sum payment when you are admitted or confined to a hospital due to an accident or sickness. - Your name is on the check
Payments are made directly to you. They can be used to help pay for medical plan deductibles and copays, for out-of-network stays, for your family’s everyday living expenses, or for whatever else you need while recuperating from an illness or accident. - Guaranteed acceptance2
You and your eligible family members can get coverage as long as you are actively at work. That means no medical exams and no hassle. - Payroll deduction
Premiums will be automatically deducted from your paycheck, making this coverage more convenient for you.
Plan Details
Lump sum payment to use as you see fit for yourself and your family
Employer Paid*
Employee Paid
Hospital Indemnity
In an emergency, there’s little time to worry about hospital bills. With hospital indemnity insurance, you don’t have to.
1 Costs for Hospital Stays in the United States, 2011. HCUP Statistical Brief #168. December 2013. Agency for Healthcare Research and Quality, Rockville, MD.
2 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.
*OHSU will cover the cost of Hospital Indemnity plan, if you are enrolled in the High Deductible health plan.
METLIFE'S ACCIDENT 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 is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, 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 or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.