Fill in the Gaps

Help pay for out of pocket expenses associated with hospital stays, ambulance trips, dental, vision, and other healthcare needs.

Your health insurance coverage may leave you with substantial out-of-pocket expenses. We have a solution.

How does hospital indemnity insurance work?

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury. And it’s available for companies with as few as two employees.

A welcome financial safety net

Hospital indemnity insurance can be particularly helpful since a majority of Americans don’t have enough savings to cover unplanned medical bills. The plan pays cash directly to employees even if they don’t incur any out-of-pocket expenses. 

The plan will pay you benefits for:

Hospital Confinement
Observation Stays
Emergency Room Benefits
Mental Health Benefits

Plans include riders that can expand your benefits to include Cancer Lump Sum, Critical Accident, Skill Nursing Facility, Ambulance Benefit, Dental and Vision, Short Duration Hospital Stay, and Outpatient Surgical Benefits.