Hospital Indemnity Insurance – Cover Gaps in Your Health Plan
When a Hospital Stay Hits the Wallet
Even with good insurance, inpatient stays can trigger
daily copays or deductibles—especially on Medicare Advantage plans. Hospital indemnity insurance pays you a fixed cash benefit per day or per admission so you can handle medical bills or everyday expenses without stress.
Cash Paid to You, Not the Hospital
Choose a benefit (e.g., $250 per day for up to 5 days, or a flat admission amount). If admitted, the plan pays you directly—use funds for copays, deductibles, or even travel and lodging for loved ones. Riders can add ambulance,
outpatient surgery, or skilled nursing benefits.
Pair With Your MA Plan to Reduce Surprise Bills
If your MA plan charges per-day hospital copays, we can mirror those amounts with an indemnity benefit so a typical 3–5 day stay is largely offset. Enrollment is year-round, and underwriting is often just a few health questions. Realegacy Partners ensures your benefits align with your specific MA cost-sharing.
FAQs About Hospital Indemnity
Clear Answers Before You Enroll
Will it cover my entire bill?
It pays a set cash amount—you decide how to use it.
What if I never use it?
Like any insurance, it’s for unexpected events; many value the peace of mind.
Is it the same as long-term care?
No—LTC addresses extended care; indemnity targets short-term hospital events.
Can I buy anytime?
Yes, generally not tied to AEP.
High-Deductible Plans and Families
Under-65 families with high-deductible health plans also use hospital indemnity to cushion big, unexpected bills. It’s an affordable way to add financial resilience without changing your core medical plan.