Basics
What Is Hospital Indemnity Insurance? A Plain-English Guide
Hospital indemnity pays you a fixed cash amount when you are admitted. Here is how it works and who it is for.
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Costs
High-Deductible Health Plan? Why Indemnity Coverage Can Help
Deductibles of $3,000 or more are common. See how a fixed cash benefit can fill the gap.
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Seniors
Medicare and Hospital Indemnity: Do You Need Both?
Medicare covers a lot, but not everything. Learn where an indemnity plan fits for people 65 and older.
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Costs
How to Choose the Right Daily Benefit Amount
From $100 to $500 per day, here is a simple method for picking a benefit that suits your budget.
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Basics
Exclusions and Limits: What Indemnity Plans Do Not Cover
Every policy has limits. Know the common exclusions and waiting periods before you buy.
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Wellness
Preparing for a Planned Hospital Stay: A Practical Checklist
Paperwork, bills and benefits: what to organize before you check in.
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Costs
Are Hospital Indemnity Benefits Taxable?
In many cases the cash you receive is not taxed. Here is what to check.
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Self-Employed
Self-Employed? Why a Hospital Stay Hits Harder
No paid leave means every day in hospital can also be a day without income.
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Basics
7 Questions to Ask Before You Buy
Good questions reveal limits, waiting periods and real value.
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Basics
Hospital Indemnity vs Accident vs Critical Illness
Three supplemental products, three different triggers.
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Wellness
Common Hospital Billing Mistakes to Watch For
Always request an itemized bill and check it carefully.
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Seniors
Rising Hospital Costs: What Seniors Should Know
Costs rise every year, and so can the gap left after Medicare.
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Insurance Terms in Plain English
Benefit Period
The number of days per year the plan will pay for hospital stays.
Waiting Period
Time after you enroll before certain benefits begin.
Premium
What you pay monthly or yearly to keep the policy active.
Exclusion
A situation or condition the plan will not pay for.
Guaranteed Renewable
The carrier cannot cancel your policy because of your health.
Admission Benefit
A one-time payment when you are formally admitted.
Myths vs facts
Common Misunderstandings
It replaces health insurance?
Fact: it is supplemental. It works alongside your main coverage.
Only older people need it?
Fact: anyone with a deductible can face a gap, at any age.
It only pays the hospital?
Fact: cash goes to you, to spend as you choose.
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