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Hospital Indemnity Insurance

Avoid the Burden of a Costly Hospital Stay

2 Ways to Enroll in a Hospital Indemnity Plan


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Hospital Indemnity Insurance

Even with proper insurance, unplanned hospital stays come with a hefty price tag. The average cost per day of inpatient care at a hospital in the United States was $2,607 in 20191 and people with Medicare Part A need to pay a hospital inpatient deductible of $1,5562 before their benefits kick in.

Hospital Indemnity Insurance helps cover the out-of-pocket hospital costs not typically covered by your insurance and any extra expenses that occur because of your hospital stay.

Hospital Indemnity Insurance Features & Benefits

Hospital Indemnity plans can be used to help pay* for your:

Living expenses
Living expenses
Any additional expenses
Any additional expenses

Frequently Asked Hospital Indemnity Questions

What is Hospital Indemnity Insurance?

Hospital Indemnity is a form of private insurance that pays the policyholder if they are admitted into the hospital, intensive care unit (ICU), critical care unit (CCU) or another qualifying health event.

What does Hospital Indemnity cover?

Depending on your policy, a Hospital Indemnity insurance plan provides a payout if you’re admitted to the hospital. Unlike regular health insurance, which has restrictions on how the insurance money can be used, Hospital Indemnity payouts can be used any way the policyholder seems fit.

For example, you can use the payout to help offset any out-of-pocket expenses not covered by your insurance. You can also use the money to help pay for groceries, transportation or other living expenses.

Is Hospital Indemnity a form of medical insurance?

No. Hospital Indemnity Insurance is not a replacement for any form of Medicare, Medicaid or private health insurance. This plan is intended as a supplemental coverage policy.

Does Hospital Indemnity have a monthly premium?

Like any insurance plan, you will be required to pay a monthly premium, which can vary depending on the policy you choose. However, you do not have to pay a deductible to gain access to your payment.

Does Hospital Indemnity Insurance have restrictions?

Unlike a typical health insurance policy, Hospital Indemnity does not have deductibles, coinsurance or network restrictions.

Why would I need Hospital Indemnity Insurance?

If you’re someone who foresees being frequently admitted to the hospital or wants peace of mind in the event of an accident, then Hospital Indemnity Insurance is worth considering.

What are the benefits of hospital indemnity insurance?

Hospital indemnity insurance benefits include coverage for hospital stays, outpatient services, and other medical expenses not typically covered by traditional health insurance. This can include daily hospital fees, intensive care unit costs, ambulance services, and more. It provides an additional layer of financial protection, helping to cover out-of-pocket expenses that can accumulate during a hospital stay.

How does hospital indemnity insurance work with Medicare?

Hospital indemnity insurance works as a supplement to Medicare. While Medicare covers a significant portion of hospital and medical costs, it doesn’t cover everything. Hospital indemnity insurance can step in to cover the gaps, such as copayments, deductibles, and non-covered services. This can be especially beneficial for individuals who frequently visit the hospital or those with chronic conditions requiring regular care.

Is hospital indemnity insurance worth it?

Whether hospital indemnity insurance is worth it depends on your individual health situation and financial circumstances. If you’re someone who has frequent hospital visits or high medical costs, the extra coverage provided by hospital indemnity insurance could be beneficial. It can help manage out-of-pocket costs that aren’t covered by your primary health insurance or Medicare.

Does my medical insurance cover all my hospital bills?

Not necessarily. While medical insurance covers a significant portion of hospital bills, it often doesn’t cover everything. There may be deductibles, copayments, and services not covered under your plan. This is where hospital indemnity insurance can be beneficial. It can help cover these additional costs, reducing the financial burden associated with hospital stays.

What do hospital indemnity plans typically cover?

Hospital indemnity plans typically cover a range of services associated with hospital stays. This can include daily hospital confinement, intensive care stays, ambulance services, surgeries, and sometimes even outpatient procedures or doctor’s office visits. The specifics of what is covered will depend on the individual plan, so it’s important to review the details carefully.

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Ensurem is Here for Your Hospital Medicare Indemnity Insurance Needs

Working with Ensurem for your Medicare hospital indemnity insurance needs can provide you with peace of mind and financial protection. Ensure, a credible health insurance marketplace, offers a variety of Medicare and supplemental insurance plans, including hospital indemnity insurance from top-rated carriers.

Hospital indemnity insurance is not a replacement for any form of Medicare; it's intended as a supplemental insurance plan. Its purpose is to help cover the costs that aren't covered by your primary health insurance, like Medicare. It provides cash benefits directly to you when you're hospitalized, which you can use to pay for expenses not covered by your medical insurance, such as copayments, deductibles, transportation, or even your household bills.

Here are a few reasons why shopping for hospital indemnity Medicare insurance with Ensurem is a good idea:

Variety of Plans

Ensurem offers a wide range of hospital indemnity insurance plans, allowing you to choose a plan that fits your specific needs.

Expert Guidance

They provide expert guidance on how hospital indemnity insurance works and how it can supplement your existing medical coverage.

Financial Protection

Hospital indemnity coverage provides financial protection during hospital stays, helping to offset hospital costs that may not be fully covered by your health insurance.

Cash Benefits

The hospital indemnity plan pays cash benefits directly to you for each day of hospital confinement, which can be used to cover out-of-pocket expenses associated with a hospital stay.

Supplemental Insurance

In addition to hospital indemnity insurance, Ensurem also offers other types of supplemental insurance plans, such as accident insurance, providing additional protection.

Top-Rated Carriers

Ensurem partners with top-rated insurance carriers, ensuring that you receive high-quality, reliable coverage.

Contacting Ensurem for your Medicare hospital indemnity insurance needs can help you better manage your healthcare expenses, especially those related to hospitalization. Their expertise and comprehensive offerings make them a one-stop solution for your health insurance needs.

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