What You Need to Know
Hospital stays are expensive—even the best medical plan can leave you with high bills. A little support goes a long way when you or a loved one is in the hospital. That’s where hospital indemnity insurance comes in. Also, the coverage is portable, which means if you leave the Company, the coverage may be continued.
Understanding Hospital Indemnity Insurance
Hospital indemnity insurance,* insured by MetLife, is a voluntary benefit that supplements your medical insurance and offers financial protection in case of a covered hospitalization. It provides you with payments when you are admitted to a hospital due to an accident or illness.† It also pays extra benefits for admission to an intensive care unit (ICU).
Enrollment
You and your covered family members can enroll in voluntary hospital indemnity insurance during your initial eligibility period (generally when you first become eligible for benefits) or yearly during Annual Enrollment.
Using your benefit
There’s no waiting period to start receiving benefits for any covered hospitalization after you’re enrolled.* When you file a claim for a covered hospitalization, payments from MetLife are paid directly to you. You can use that money however you want, including medical plan deductibles or coinsurance, household expenses, or bills.
Paying for coverage
You pay for coverage through payroll deductions.
Covered services
Here are some of the covered services and associated benefit payments:
| Hospital coverage (accident) | Benefit Payment |
|---|---|
| Admission (must occur within 180 days after the accident) | $1,500 |
| Confinement (must occur within 180 days after the accident) | $150 a day, up to 365 days per covered person per accident |
| Inpatient rehab (must occur immediately following hospitalization and within 365 days of the accident) | $100 a day, up to 15 days per covered person per accident; 30 days per calendar year maximum |
| Hospital coverage (sickness) | Benefit Payment |
|---|---|
| Admission | $1,500, one time per calendar year |
| Confinement | $150 a day, up to 365 days per covered person per sickness |
| Other benefits | Benefit Payment |
|---|---|
| Lodging for a companion accompanying a covered person while hospitalized | $100 a day, 30 days per calendar year maximum; lodging facility must be located within 50 miles from the covered person’s primary residence |
† Not including certain facilities such as nursing homes, convalescent care, or extended care facilities
Learn more about hospital indemnity insurance
Watch a brief presentation on covered services, filing claims, and more.