Medicare Coverage Built Around Your Life.
Medicare Advantage plans combine your Medicare benefits into one plan and may include additional benefits such as dental, vision, hearing, fitness and prescription coverage.
The right plan depends on your doctors, prescriptions, health needs, budget and how you prefer to receive care. Atlas Benefits can help you compare your options with confidence.
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.
Want the Big Picture?
Hospital indemnity coverage can help provide added financial protection when a hospital stay occurs, but it isn’t a replacement for your Medicare coverage. See how the different pieces of Medicare work together and where additional protection may fit.
Our complimentary Understanding Medicare — 2027 Edition guide walks you through the Medicare essentials in clear, straightforward language.
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.