Hospital Indemnity Insurance
Hospital indemnity insurance can help you be financially prepared.
An unexpected hospital stay can happen at any time1
Have questions?
Please call MetLife directly at 1-800-GET-MET8 (1-800-438-6388) and talk with a benefits consultant. Visit www.myrrdbenefits.com to view plan documents and to find a link to enroll or call the RRD Benefits Center 1-877-773-4236.
Help pay for out-of-pocket costs related to hospital stays
Unexpected hospital stays 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 provides you with money 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 on top of what your medical insurance covers
- Coverage for hospital admission, stays and accident-related rehab (accidents only)2
Did you know studies show that you can spend on average $10,900 for a hospital stay in the US?3
Here's how it works:
The example below assumes Susan sought treatment at a group policyholder-designated facility. She elected the Hospital Indemnity – High Plan during annual enrollment. 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 Hospital Indemnity Insurance payments can help cover these unexpected costs or in any other way Susan sees fit.
Coveraged Benefit |
High Benefit Amount |
|---|---|
Regular Hospital Admission (1x) |
$800 |
ICU Supplemental Admission (1x) |
$800 |
Regular Hospital Confinement (3 total days) pays |
$900 |
ICU Supplemental Confinement (1 day) |
$300 |
Benefits paid by MetLife Group Hospital Indemnity Insurance |
$2,800 |
Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may |
|
Plan Details
Lump sum payment to use as you see fit for yourself and your family
Filing a Claim
To file a claim, please visit www.mybenefits.metlife.com or call 1-800-438-6388
Hospital Indemnity Insurance
Hospital Indemnity
In an emergency, there’s little time to worry about hospital bills. With hospital indemnity insurance, you don’t have to.
1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full 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: Agency for Healthcare Research and Quality. Healthcare Cost and Utilization Project (HCUP). 2005–2014. Statistical Brief #225. Updated June 2017. https://www.hcup-us.ahrq.gov/reports/statbriefs/sb225-Inpatient-US-Stays-Trends.pdf. Accessed August 2018.
4 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.
5 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. 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.