Fixed indemnity benefits for qualifying hospitalization, emergency room visits, surgery, and related care—paid per the policy schedule, not as full payment of all medical bills. Stacks with major medical or everyday benefit programs.
Sample rates: $129.95 individual / $299.95 family per month (confirm at enrollment).
Benefits are limited to the terms of the policy—always review the certificate for benefit amounts, waiting periods, and what counts as a covered confinement or procedure.
Sample rates by enrollment class. Final premium depends on carrier, tier, and group election.
Individual
$129.95
per month
Family
$299.95
per month
This hospital indemnity plan is designed to work alongside your BASE program or MVP / major medical coverage—adding extra financial protection for unexpected hospitalizations without replacing your everyday healthcare benefits. We help employees understand fixed-benefit payments vs. what their medical plan pays.
Limited benefit / supplemental products are not a substitute for comprehensive major medical insurance unless specifically described in the issuing carrier’s materials. Benefits, limitations, and exclusions are governed by the policy or contract. This summary is for illustration only; confirm all details with official plan documents and your licensed benefits advisor.