• Please note that medical premiums for 2025–2026 are pending approval by the HCDE Board of Trustees on July 16. All premiums listed are effective Sept. 1.

Hospital Idemnity Insurance

  • Hospital stays are costly. If you or a family member find yourself in the hospital due to a sudden accident or illness, you may struggle financially, even if you have a good medical plan. With a hospital indemnity plan, you can rest assured those extra expenses won’t be a financial burden. 

    Unlike medical plans, there are no deductibles to meet with a hospital indemnity plan. As soon as you incur a qualified event, you can file a claim and start receiving benefits. 

    The plan pays a lump sum benefit in a previously specified amount. The money can be used for medical costs, insurance deductibles, groceries, transportation, childcare – the choice is up to you! 

Highlights

    • Guaranteed Issue! Pre-existing conditions do apply for the first 12 months. 
    • Paid directly to you so you can use the funds to pay for your needs at your discretion 
    • Illness confinement has a 12-month pre-existing condition 
    • Normal pregnancy is NOT covered under this plan, but complications from pregnancy are covered under illness for this plan 
    • Health screening benefit provided if the covered insured takes one of the covered screening/prevention tests; $50 for the Low Plan and $100 for the High Plan 
    • Plan is portable 

     
  • Hospital Idemnity Insurance MetLife

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Hospital Idemnity Insurance

Coverage Low Plan (Monthly) Low Plan (Semi-Monthly) High Plan (Monthly) High Plan (Semi-Monthly)
Employee Only $16.36 $8.18 $33.18 $16.59
Employee + Spouse $27.02 $13.51 $54.82 $27.41
Employee + Child(ren) $27.02 $13.51 $54.82 $27.41
Employee + Family $39.28 $19.64 $79.70 $39.85
Benefit Low Plan High Plan
Admission in hospital – 1st day (must have 20 hours of admission) $500 $1,000
Confinement in hospital – per day $100 $200
Admission to ICU $1,000 $2,000
Confinement in ICU – per day $200 $400
Inpatient rehab unit – per day $100 $200
Health screening benefit – per year $50 $100
Lodging benefit provided for a companion accompanying a covered insured while hospitalized – per day (up to 30 days) $100 $200