A hospital indemnity plan pays you a fixed amount — not the bill. The question is whether that amount meaningfully offsets your deductible and out-of-pocket exposure. This puts the two side by side using your own plan’s benefit amounts.
This tool applies officially published figures to the numbers you enter. It is not an insurance quote, it is not an eligibility determination, and it does not predict what a carrier will charge you. Only HealthCare.gov, Medicare.gov, Social Security or the carrier can determine your eligibility and your actual price.
Hospital Indemnity Benefits: how it works
It pays you, not the hospital
The money arrives as cash and you decide what it covers — the deductible, the mortgage, the lost wages of a partner taking time off. That flexibility is the point of the product, and it is also why it is not a substitute for major medical cover.
Who it tends to suit
Households on a high-deductible plan, where a single admission means paying several thousand dollars before coverage does much. If your deductible is small, the plan has less work to do and the premium is harder to justify.
Common questionsCommon questions
Can I have this alongside my main plan?
Yes. Hospital indemnity is supplemental by design and pays regardless of what your major medical plan pays. It is not a replacement for a major medical plan and does not satisfy any coverage requirement on its own.
Are the benefit amounts here real quotes?
No — they are the figures you enter from a plan you are looking at. We do not publish carrier benefit schedules or premiums here. Bring us a plan and we will price it properly.