Benefits for 2026
Hospital Indemnity
SUMMARY OF COVERAGE
HOSPITAL INDEMNITY INSURANCE
This insurance pays benefits directly to you to help offset the out-of-pocket expenses associated with an unexpected hospital stay, such as deductibles, copays or lost income. Benefits are paid based on inpatient hospital admissions and confinement. The benefit is yours to use however you want, including paying for healthcare expenses, mortgage, rent, or other bills.
EXAMPLE CLAIM: Laura is admitted the hospital to give birth to her new baby. Her normal delivery kept her in the hospital for a total of three days. Fortunately, Laura’s Hospital Care plan paid her cash benefits to help cover her medical costs – benefits that allowed her to focus on her new baby rather than the financial impact of the hospitalization
COVERED EVENTS Benefits are included for: • Hospital Admissions • Hospital Confinement
• Intensive Care Unit Admission • Intensive Care Unit Confinement • Hospitalization for Childbirth
ADDITIONAL BENEFITS: No pre-existing condition exclusion Portability included – allowing you to take the policy with you if you end employment
Laura’s Hospital Stay
Plan Benefits
Hospital Admission
$1,000
2 Additional Days of Confinement
$330
COVERAGE OPTIONS: Coverage is available to employees, spouses and dependent children
Total Benefit
$1,330
Per Pay (26 payrolls)
Bi-weekly Premium
Weekly Premium
$3.50
$7.00
Employee
$7.53
$15.05
Employee + Spouse
$5.32
$10.63
Employee + Child(ren)
$9.73
$19.45
Family
*Please refer to the benefit plan summaries for a full schedule of benefits
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2026 Employee Benefit Guide
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