Hospital Indemnity Insurance
Hospital visits can be costly. Hospital Indemnity insurance can help.
Hospital stays are costly and are often unexpected.
Since most health care plans don’t cover all of your expenses, you need to take steps to help protect yourself and your savings.
With an average cost of $10,000 per hospital stay in the U.S.,1 it’s easy to see why having hospital indemnity insurance may make good financial sense. Just think about the possibility of having a hospital stay due to an accident or illness:
- * Your child gets hurt on the school playground
- * You experience chest pains while exercising and are admitted to the hospital to be checked and monitored
- * Your spouse2 undergoes an emergency appendectomy
Even the best medical plans may leave you with extra expenses to pay out of your own pocket.
A hospital stay can require a variety of treatments, tests, therapies and other care and services to assist in recovery. Each of these services may mean extra out-of-pocket costs for you to pay, beyond what your medical plan may cover, including medical plan deductibles and copayments, and extra expenses associated with out-of-network care and treatment.
Other household expenses may be harder to cover due to lost or reduced income, like your mortgage, car payment, child care or household upkeep while you recover.
Hospital indemnity insurance can help you be better prepared by providing you with a payment to use as you see fit if you experience a covered event and meet the policy and certificate requirements. Typically a flat amount is paid for hospital admission and a per-day amount is paid for each day of a covered hospital stay, from the very first day of your stay. This payment can help you focus more on getting back on track and less on the extra expenses an accident or illness may bring.
Plus, your plan includes a health screening benefit! Click here for more details.
Hospital Indemnity Insurance
How can having MetLife Hospital Indemnity Insurance benefit you?
Access to benefits for hospitalization due to accidents and sicknesses:3
- Admission to a hospital
- Intensive Care Unit stays
- Hospital stays
- Inpatient Rehab Unit stays (accidents only)
- Admission to an Intensive Care Unit
Actual plan design and plan benefits may vary. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on the coverage types, amounts and premium options under your plan.
| Hospital Indemnity Insurance Rates (Bi-weekly) | ||
|---|---|---|
| Coverage Options | Low Plan | High Plan |
| Employee Only | $8.17 | $16.18 |
| Employee + Spouse/Domestic Partner | $12.60 | $24.94 |
| Employee + Children | $16.51 | $32.70 |
| Employee + Family | $20.91 | $41.03 |
Frequently Asked Questions
- Competitive group rates
- You and your eligible family members are guaranteed acceptance.4
- Convenient payroll deduction ensures continuous, worry-free coverage.
- You are eligible to enroll yourself and your eligible family members. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.
Even quality medical plans can leave you with unexpected expenses when you are hospitalized. Costs like plan deductibles, copays and co-insurance for doctor and emergency room care, testing and supplies, and extra costs for out-of-network care may not be covered. Many people aren’t financially prepared to handle these extra costs. Having extra financial support may mean less worry for you and your family, and it will give you the ability to protect your savings and focus on your recovery.
Yes. Your hospital indemnity coverage is guaranteed issue,4 which means your acceptance is guaranteed. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.
Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience. There is no coordination of benefits with any other insurance you may have.
Yes. This coverage is portable, meaning you can take it with you if your employment status changes. Your coverage will only end if you stop paying your premium or if your current employer chooses to terminate the group hospital indemnity insurance policy.5
Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per admission or hospital stay and every claim is reviewed by a claims professional.
Open Enrollment:
October 27, 2021 - November 10, 2021.
Questions? Call us at 1-800-438-6388.