Focus on recovery
Cash benefits help with the costs of a covered hospital stay, so healing can come first.
Supplemental hospital coverage
Extra protection for what a hospital stay leaves behind
Hospital indemnity insurance pays cash benefits directly to you for covered hospital stays — money you can put toward deductibles, everyday bills, or anything recovery requires.
Enter your ZIP to get started — it takes a few minutes, with no obligation.
- Supplemental protection that works with your current health plan
- Cash benefits paid directly to you for covered hospital stays
- Plain-language guidance from quote to coverage
Supplemental
works with your health plan
Who it's for
A practical layer of protection for everyday people
Even with good health insurance, a hospital stay can bring costs that catch families off guard. Hospital indemnity coverage helps close that gap — paying cash you can put toward whatever matters most while you focus on recovery.
Have a high-deductible health plan and want a financial cushion
Are self-employed or between jobs and watching out-of-pocket risk
Support a family and want to protect household finances
Simply want extra peace of mind beyond major medical coverage
Why it matters
Health insurance rarely covers everything
When a hospital stay happens, the bills that follow go well beyond the hospital itself. These are the costs supplemental coverage is built to help with.
Deductibles
The amount you pay before your health plan begins to share costs.
Copays & coinsurance
Your share of each visit, procedure, or night in the hospital.
Transportation
Trips to and from the hospital, follow-up visits, and treatment.
Household expenses
Rent, utilities, and groceries that continue while you recover.
Childcare & help at home
Extra support needed when daily routines are interrupted.
Time away from work
Income gaps during recovery that a paycheck would normally cover.
Paid to you
benefits, your decision
Benefits
Support that shows up when it counts
The value of hospital indemnity coverage comes down to a few straightforward ideas — each designed to ease the financial pressure of an unexpected stay.
Supplemental financial support
Benefits are paid in addition to your major medical plan, helping with the costs that insurance often leaves behind.
Cash benefits paid to you
When a covered hospital stay happens, benefits are typically paid directly to you — not to a hospital or provider.
Flexible use of benefits
Use the money where you need it most: deductibles, rent, groceries, childcare, or travel to and from treatment.
Added peace of mind
Know there is an extra layer of protection in place so a hospital stay is a little less overwhelming.
Where it helps
Support for the moments that matter
A covered hospital stay affects far more than your health. Here's where cash benefits can make a real difference.
Support for the whole family
Keep everyday life steady for the people who depend on you.
Care without the cost worry
Benefits paid directly to you ease the financial pressure of an unexpected stay.
Plan features
Clear coverage, designed to be easy to understand
Hospital indemnity plans are built around fixed, predictable benefits — so you can compare options with confidence and no guesswork.
Compare your options- 01
Fixed cash benefits
Plans are designed to pay set benefit amounts for covered hospital admissions and stays, so you know what to expect.
- 02
Works alongside your health plan
Hospital indemnity coverage is supplemental. It is meant to complement your primary medical insurance, not replace it.
- 03
Coverage options to compare
Different benefit levels are available so you can weigh monthly cost against the protection that fits your budget.
- 04
Benefits you control
Because benefits are generally paid to you, you decide how to put them to work during recovery.
How it works
Three simple steps to coverage
No long applications or pressure. Here's the whole process, start to finish.
- Step 01
Request a quote
Share a few basic details. It only takes a couple of minutes and there is no obligation to enroll.
- Step 02
Review your options
Compare benefit levels and monthly costs in plain language, so you can see what fits your budget.
- Step 03
Choose your coverage
Select the plan that feels right. We keep the process straightforward from start to finish.
Peace of mind
Protection that helps keep home feeling like home
A hospital stay is stressful enough without worrying about the mortgage, the groceries, or getting the kids where they need to be. Hospital indemnity coverage is about protecting the rhythm of everyday life while someone you love recovers.
- Focus on getting better, not on how the bills will get paid
- Keep everyday life steady for the people who depend on you
- Decide how your benefits are used — the choice stays with you
Why choose us
Guidance that respects your time and your decision
We believe choosing coverage should feel clear and unhurried. Our job is to help you understand your options — not to push you into anything.
Clear information
We explain hospital indemnity coverage in plain English — no fine-print surprises or confusing jargon.
A straightforward process
From quote to decision, each step is simple and easy to follow at your own pace.
Helpful guidance
Have a question? Real people are here to help you understand your options without pressure.
No-pressure experience
Take the time you need. Requesting a quote never commits you to anything.
Common questions
Answers before you decide
A few of the questions we hear most often. If something isn't covered here, we're happy to help.
Ask us a questionHospital indemnity insurance is a supplemental policy that pays a fixed cash benefit if you are admitted to or confined in a hospital for a covered reason. It is designed to help with expenses your primary health plan may not fully cover.
You choose a plan with set benefit amounts. If a covered hospital stay occurs, you file a claim and receive a cash benefit based on your plan. The benefit is separate from, and in addition to, what your major medical insurance pays.
Benefits are typically paid directly to you rather than to a hospital or doctor. That means you can decide how to use the money — for medical bills or for everyday costs during recovery.
No. Hospital indemnity insurance is supplemental coverage. It is meant to work alongside your primary medical plan and help with out-of-pocket costs, not to take its place.
Because the benefit is paid as cash, it can help with deductibles, copays, transportation, childcare, lost income, household bills, and other expenses that come up during a hospital stay.
Think about your current health plan, your typical out-of-pocket exposure, your monthly budget, and how much added protection would give you peace of mind. Comparing a few benefit levels side by side is a good place to start.
Get started
See the coverage options available in your area
Enter your ZIP code to begin. Requesting a quote is free, takes a few minutes, and never commits you to anything.
Or call us at 1-800-555-0132