A hospital stay on a Medicare Advantage plan can cost you hundreds in out of pocket copays. Hospital indemnity pays you a cash benefit to cover those costs so you can focus on recovery, not bills.
Request a No Cost ReviewHospital indemnity coverage helps fill the gap.
Medicare Advantage plans with zero monthly premiums are popular for a reason they save you money every month. But most people do not realize those plans come with copays every time you use them.
Here is the reality: A 2 day hospital stay could leave you with $790 to $1,000 in out of pocket copays, even with a zero premium plan.
| Service | Typical MA Copay | With Hospital Indemnity |
|---|---|---|
| Hospital Stay (per day, typically 1 to 5 days) | $395 to $500 per day | Covered |
| Emergency Room Visit | $115 to $150 | Covered |
| Outpatient Surgery | $395 to $495 | Covered |
| Ambulance | $350+ | Covered |
| Lump Sum Cancer Benefit | Ask about your plan | Covered |
Hospital indemnity pays you a cash benefit for each covered event. Use that money however you need copays, transportation, lost income, or anything else that comes up during recovery.
Many plans also include a Lump Sum Cancer Benefit that pays out if you are diagnosed with cancer and again at the same level if the cancer returns, helping cover costs up to your Medicare Advantage plan's out of pocket maximum.
No networks, no referrals, no complicated claims. Hospital indemnity is one of the easiest plans to understand.
Your Medicare Advantage plan kicks in first and covers its portion of the bill.
Your indemnity plan sends you a benefit for each day of your hospital stay.
Use the cash benefit to pay your Medicare Advantage copays or anything else you need during recovery.
Hospital indemnity premiums are typically very affordable, often $30 to $100 a month, and for many people the math makes sense after just one hospital stay per year.
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