Hospital Insurance
As the health insurance industry endures major changes, it has become more apparent that insurance alone doesn't always cover all healthcare costs. A Hospital Insurance plan can help supplement costs accrued by an illness or accident. Hospital Insurance may help by paying you a daily benefit for the time you were confined in a hospital. This benefit can help cover your deductible, out of pocket expenses, or any other expenses you may accrue while confined. Hospital Insurance also helps by paying a lump sum payout to help pay for ER visits, physician office visits, ambulance rides, surgeries, and diagnostic x-rays and labs. These payouts could help pay healthcare costs not covered by your insurance, so you can focus on getting well.

Highlights:
  • Accident & Sickness Hospital Indemnity Plan (Hospital Insurance)
  • Comprehensive coverage that includes a daily in-hospital benefit ranging from $200 - $1,000 per day
  • Lump sum payouts for ER visits, physician office visits and ambulance rides
  • Also includes lump sum payouts for surgeries and diagnostic x-rays and labs
  • These cash payouts are regardless of insurance coverage
  • There is no waiting period to receive benefits
  • Annual max benefit levels range from $2,500 - $25,000
Benefit Details:

Below you will find a chart detailing the cash payouts you will receive using your Hospital Insurance benefits, based on your membership level. These cash benefits are the amount you will be paid per day for each accident or sickness occurrence, and are not co-pays. You will receive these cash payouts based on your membership level until you hit your annual max of occurrences per benefit, or your overall annual max benefit amount.

Membership Level
Benefit(a) Annual Max $2,500 $5,000 $7,500 $10,000 $15,000 $25,000
Dr Visit 3(b) $25 $30 $35 $40 $45 $50
Emergency Room 2 $100 $175 $250 $375 $400 $500
Daily Hospital 7 days(c) $200 $350 $500 $650 $800 $1,000
Surgery 4(d) $200 $350 $500 $650 $800 $1,000
Ground Ambulance 2 $200 $350 $500 $650 $800 $1,000
Air Ambulance 1 $1,000 $1,500 $2,000 $3,000 $4,000 $5,000
Diagnostic X-Ray & Labs 1 $100 $175 $250 $375 $400 $500
Advanced Diagnostic Tests 1(e) $200 $350 $500 $650 $800 $1,000
Max Annual Benefit - $2,500 $5,000 $7,500 $10,000 $15,000 $25,000
  1. These benefits are cash payouts to you per day for each accident or sickness occurrence.
  2. Doctor visits include primary, specialist and urgent care physicians.
  3. Limit 7 days per confinement; limit 7 days per illness/accident. No limit on the number of confinements for unique illness/accident occurrences. 1 day of non-confinement required between unique illness/accident confinements.
  4. Surgery benefit includes 2 in-patient and 2 out-patient procedures for a total allowance of 4 covered surgeries.
  5. Advanced Diagnostic Tests includes Angiogram/Arteriogram, EEG, Myelogram, CT Scan, MRI Scan, or PET Scan.

How to use:
  • To file a claim for Hospital Insurance, call us at (855) SURE-MED (787-3633)
  • Call us at (855) SURE-MED with any other questions you may have
Exclusions:
  • In CT, the following benefits are excluded: physician office visits, surgeries, x-ray & labs, and advanced diagnostic testing.
  • In MO, the following benefits are excluded: physician office visits, surgeries, x-ray & labs, advanced diagnostic testing, and both ground and air ambulance rides.
  • In WA, the following benefits are excluded: surgeries, x-ray & labs, advanced diagnostic testing, and both ground and air ambulance rides.
  • Preventative care is not covered under any benefits.
  • X-rays and labs are not covered while confined in the hospital.
  • Benefits are not paid for a sickness resulting from a member's pre-existing condition if the sickness occurs within the first 12 months of the policy.
  • Normal pregnancy is not covered, however, complications of pregnancy are covered.
  • Benefits do not cover illness or injuries related to drug use, intoxication, illegal acts or acts of self-harm.
  • Benefits do not cover illness or injuries related to acts of War or active military duty.
  • For a full list of limitations and exclusions, please click here for the sample Description of Benefits
Disclosures:
  • All benefit payouts are per day. The same benefit cannot be received more than once within one day.
  • An ER visit due to an accident must occur within 24 hours of accident causing injury.
  • Any treatment due to an accident must occur within 30 days of accident causing injury.
  • Hospital Insurance is not available to residents of CO, KS, LA, MA, MD, MN, NH, NJ, NY, SD, TX, UT, VT, & WV.
  • Hospital Insurance benefits terminate at age 90 in all states except CA. In CA, Hospital Insurance benefits terminate at age 65.
  • This is a group insurance policy issued to American Better Health Organization, Inc., and benefits are provided to members of the association.
  • Insurance is Underwritten by FEDERAL INSURANCE COMPANY, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature may not be available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policy as issued (Policy # 9908-23-02). Exclusions apply. Chubb, 202 Hall’s Mill Road, PO Box 1600, Whitehouse Station, NJ 08889-1600


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