A Medicare Advantage plan pays the hospital.
A Hospital Indemnity plan pays YOU.
It's a supplemental plan that pays a fixed dollar amount directly into your pocket when you're admitted to a hospital — no strings, no restrictions, no bills to submit.
Benefits are paid to you as the policyholder — not to a provider. Spend the money on anything you need.
Rent, groceries, gas, transportation, copays, prescription pickups — the choice is entirely yours.
Designed to complement your MA plan — not replace it. The two work as a team to protect your finances.
Benefits trigger on admission regardless of which hospital or facility you use. No claim-specific networks.
Many members add hospital indemnity protection for very little — sometimes $0/month when bundled with a qualifying Medicare Advantage plan.
In many cases you can add this coverage in the same call or appointment as your Medicare Advantage enrollment.
You don't have to be in poor health to benefit from this protection.
Medicare Advantage plans can have $300–$500+ per-admission copays, daily hospital charges, and other cost-sharing that adds up fast. Hospital indemnity fills that gap so a short stay doesn't drain your savings.
A 3-day hospital stay can cost a Medicare Advantage member $1,000 or more out of pocket. If an unexpected bill would be a hardship, a hospital indemnity benefit provides a financial cushion when you need it most.
Even healthy, active Medicare beneficiaries face falls, surgeries, or surprise diagnoses. Hospital indemnity gives you a cash safety net so a health event doesn't become a financial crisis.
Benefit amounts vary by plan tier and location. The examples below reflect typical hospital indemnity benefit structures — your advisor will show you exact figures available in your zip code.
| Benefit Type | How It Pays | What It Helps Cover |
|---|---|---|
| Hospital Admission Benefit | Lump-sum per admission (e.g. $500–$2,000+) | Covers your Medicare Advantage inpatient copay on day one |
| Daily Hospital Confinement | Per day benefit (e.g. $50–$200/day) | Offsets daily charges or replaces lost income during a stay |
| ICU / Critical Care Benefit | Enhanced daily rate for ICU admission | Higher payout for the most serious hospital stays |
| Outpatient Surgery Benefit | Flat benefit per procedure | Helps cover facility fees and related out-of-pocket costs |
| Emergency Room Benefit | Flat benefit per ER visit | Offsets ER copays common under Medicare Advantage plans |
* Benefit amounts, waiting periods, and coverage details vary by plan. Benefits shown are illustrative examples only. Not all benefits available in all areas. This is a supplemental plan and is not a substitute for comprehensive health insurance or Medicare. Your licensed advisor will review the full Evidence of Coverage with you before enrollment.
A 10-minute conversation is all it takes — free, no obligation, no pressure.
Check My Options →Real examples of how a hospital stay affects Medicare Advantage members — and how indemnity coverage fills the gap.
Not all hospital indemnity plans are equal. We work with carriers that lead the industry where it matters most.
Our carrier partner serves more Medicare Advantage members than any other — the largest network, the most experience.
AM Best A-rated, meaning the company has the financial resources to pay claims when you actually need them.
Often added in the same appointment as your Medicare Advantage plan — no separate application process needed.
Coverage can't be cancelled simply because you get sick or use your benefits — your plan renews as long as premiums are paid.
No — it's supplemental coverage designed to work alongside your Medicare Advantage plan, not replace it. Your MA plan handles your medical coverage; the indemnity plan pays you cash to cover whatever out-of-pocket costs remain.
No. The cash benefit is paid directly to you and you can use it for anything — rent, utilities, groceries, transportation to appointments, or medical copays. There are no restrictions on how you spend it.
Most hospital indemnity plans have no deductible. Benefits are triggered by a qualifying event (hospital admission, ER visit, etc.) and paid according to the schedule in your policy.
Many hospital indemnity plans feature simplified underwriting with no medical exam required. Pre-existing condition limitations may apply during an initial waiting period — your advisor will review all terms before you enroll.
After a qualifying hospital admission or event, you submit a simple claim. Benefits are typically paid within a few business days. Your advisor walks you through the exact process at enrollment.
Premiums vary by plan tier, location, and age. Many Medicare Advantage members in Virginia can add hospital indemnity for as little as $0–$30/month. Call us and we'll pull exact pricing for your zip code.
No obligation. We'll check what's available in your zip code and walk you through every option.