Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.
UnitedHealthcare Hospital insurance plans, underwritten by Golden Rule Insurance Company, can help you fill gaps in your medical coverage by providing cash to help cover deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.
Hospital stays can strain even the healthiest of budgets. And in many cases, you can’t ignore the care you need even if it pushes you financially. Hospital Indemnity insurance plans provide payment for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use as you choose, whether for hospital bills or those other costs that come up while you’re recovering.
Hospital insurance can benefit you and your family in many ways...
Benefits are yours to use how you wish
No networks – benefits are the same regardless of network or provider
You don’t face any deductibles to receive benefits
It’s possible to get coverage for the entire family
Coverage is renewable until age 65
Our basic Hospital SafeGuard plan pays a fixed amount per day for hospital confinements, up to the calendar-year maximum.
Important: While Hospital SafeGuard and Hospital SafeGuard Premier plans have no network limitations, you may need to stay with certain networks and providers to get the most coverage out of your major medical plan. Be sure to take that into consideration.
Hospital SafeGuard Premier pays a fixed amount for hospital confinements in addition to other qualified medical services up to the calendar-year maximum. Medical services that may be covered by Hospital SafeGuard Premier include:
With Hospital SafeGuard or Hospital SafeGuard Premier, it's very simple. After you receive care for a qualified medical service, simply complete a claim form and submit it with copies of your receipts. That’s it. Then you’ll receive a check for the fixed amount specified by your plan for that service (within your calendar-year maximum).
Note: This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.2
1 American Hospital Association, Hospital Facts to Know, 2015.
2 In DC, IL, and SD you must already have a health plan that is considered minimum essential health coverage by the ACA to qualify for Hospital SafeGuard or Hospital SafeGuard Premier.