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hospital indemnity
Hospital Indemnity Plans
Indemnity plans don't replace your current coverage, they provide cash
benefits to you for things like: hospital stays, ambulance, DME, cancer, ER and Dr visits and more.
Cash benefits paid directly to you for medical expenses like:
Hospital Stays
Emergency Room
Ambulance
Durable Medical Equipment
Cancer
And More
What Is a Hospital Indemnity Plan?
A hospital indemnity plan is supplemental coverage that can pay you cash benefits when you are hospitalized or receive certain covered medical services.
Helps With Out-of-Pocket Costs
Benefits can help offset costs such as hospital copays, deductibles, coinsurance, or other expenses not fully covered by your main health plan.
Pays Cash Benefits
Many hospital indemnity plans pay benefits directly to you, giving you flexibility to use the money where it is needed most.
Pairs Well With Medicare Advantage
A hospital indemnity plan can work alongside a Medicare Advantage plan by helping cover hospital-related copays and other potential out-of-pocket costs.
Works With Medical Savings Accounts (MSA)
A hospital indemnity plan can also complement a Medicare Medical Savings Account (MSA) plan by providing additional cash benefits to help cover expenses before your deductible is met.
Extra Financial Protection
This type of plan can provide added peace of mind by creating a cash cushion for unexpected medical events.
Not a Replacement for Medicare
Hospital indemnity coverage is supplemental insurance and is designed to work with your existing Medicare coverage, not replace it.
The right hospital indemnity plan depends on your Medicare coverage, health needs, budget, and how much financial protection you want.
A hospital indemnity plan can be a valuable complement to a Medicare Advantage plan by providing cash benefits that can help offset copays, deductibles, hospital admission costs, and other out-of-pocket expenses associated with a hospital stay. Atlas Benefits can help you compare hospital indemnity options and design coverage that works alongside your Medicare Advantage plan to provide an extra layer of financial protection and peace of mind.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.