Hospital Indemnity Insurance

Hospital Indemnity Insurance  

Overview

Unexpected hospital1 stays can lead to expenses that quickly add up. MetLife’s Hospital Indemnity Insurance can provide the money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost.

 

  • You’ll receive a lump sum payment to use as you see fit
  • Pays on top of what your medical insurance covers
  • Coverage for hospital admission, stays and accident-related rehabilitation (accidents only)
Enrollment

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

ENROLL – AMENTUM JT4

 

Outside of new hire enrollment period, enrollment is limited to annual enrollment and qualifying life events.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-855-373-1758
 Hours
  M-F 9a-6p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works

FAQS

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • What is Hospital Indemnity Insurance?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


    Features of Hospital Indemnity Insurance include:

    • Flexibility: You can use the benefit money for any purpose you like
    • Payroll deductions: Premiums paid through convenient payroll deductions
    • Affordable coverage: Rates are typically lower when you purchase coverage through your employer
    • Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
  • How can Hospital Indemnity Insurance help?

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for Hospital Indemnity Insurance?

    • You—must meet actively-at-work definition
    • Your spouse/domestic partner*
    • Your child(ren)— to age 26. Coverage is available only if Employee coverage is elected


    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

1Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

 

METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

Hospital Indemnity Insurance - Learn More

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Hospital Indemnity Insurance Brochure
FAQs
Plan Summary
Plan Summary (New Hampshire Residents Only)
Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.