Health Insurance
Hospital Indemnity Insurance
A hospital stay can bring costs your health plan does not fully cover. Hospital indemnity insurance can pay a set cash benefit for a covered stay, and Mike helps you understand how it works with the coverage you already have.
What it can include
How hospital indemnity coverage works
It is supplemental coverage, so it adds to your health plan. These are the basics.
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Hospital Stay Benefit
Pays a set amount for a covered hospital admission or for each covered day, depending on the plan.
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Paid to You
Benefits are usually paid directly to you, to use toward deductibles, copays or everyday bills.
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Works Alongside Your Plan
Designed to sit next to your existing health coverage, not replace it.
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Plan Details Vary
Benefit amounts, waiting periods and limits differ from plan to plan, so they are worth comparing.
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Why it matters
Protecting your savings from a hospital stay
People often worry about the unexpected costs of a hospital stay: deductibles, copays, recovery expenses and other out-of-pocket costs. Hospital indemnity coverage is one way to help with those gaps. Mike explains how the benefits work so you can decide whether it fits your situation.
It helps to understand where the gaps in your coverage may be before you need it.
Answers
Hospital indemnity questions
Plain-English answers to common questions. If yours is not here, call Mike or book a free consultation.
No. It is supplemental coverage that pays set benefits for covered hospital stays. It works alongside your health plan and does not replace it.
Many plans pay a fixed cash amount directly to you for a covered stay. How much, and for how long, depends on the plan you choose.
People who want help with the out-of-pocket costs a hospital stay can bring, such as deductibles and copays. Mike can help you decide whether it fits your situation.
Get A Quote
A few details, and you are ready to talk it through
Choose what you would like a quote for, then add your name, a phone number and an email address. Those three details are all the form requires.
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Next step
One conversation can make your coverage easier to understand
Start with a quote request, or call Mike’s Connecticut office if you would rather talk it through first.