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Supplemental coverage

A hospital stay comes with costs your health plan doesn't touch.

Hospital indemnity coverage pays fixed cash benefits directly to you — per admission or per day — to spend on anything: deductibles, rides, groceries, lost work days. A supplement that fills gaps, not a replacement for health insurance.

See if it fits my situation
How it works

Cash to you, not the hospital

1 · A covered stay happensAdmission, daily confinement, sometimes observation or ER — as defined by the policy you choose.
2 · The plan pays YOUFixed dollar amounts set in advance. No networks to check, no bills to itemize for the benefit.
3 · You spend it your wayCost-shares, transportation, help at home — the check is yours.
Required notice: Hospital indemnity is a supplement to health insurance and is not a substitute for major medical coverage. It pays fixed benefits regardless of the actual cost of care and does not satisfy any requirement to maintain minimum essential health coverage.
Free fit-check

Ask a licensed agent if it fits

Sometimes it's a smart pairing, sometimes it isn't worth the premium — we'll tell you which, honestly.