Hospital Indemnity Insurance
Even with Medicare or health insurance, deductibles and copays add up fast. A hospital indemnity plan pays you a fixed dollar amount (for example, $450 per day) to help cover the bill.
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~19-second overview. Example only; benefits vary by plan.
People on Medicare Advantage plans with daily hospital copays, families with high-deductible health plans, self-employed folks and anyone who wants a cash cushion if an unexpected hospital stay happens.
Example only — hypothetical numbers
A 7-day hospital stay on a plan with a $450/day copay. A hospital indemnity plan pays you a fixed dollar amount, here $450 per day, to help cover the bill.
Without hospital indemnity
$3,150
out of pocket
7 days × $450 copay
With a plan paying $450 per day
$0
left in this example, instead of $3,150
$3,150 cash paid to you (7 × $450)
In this example, the cash benefit equals the $3,150 copay
For illustration only. Actual copays, benefits and costs vary by plan, carrier and state. This is not a quote. Hospital indemnity insurance pays fixed-dollar cash benefits for covered inpatient stays. It does not replace comprehensive medical coverage or guarantee payment in full of all hospital charges.
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Matt reviews plans available in your state and explains benefits in plain English.
Choose the plan that fits. If you're hospitalized, benefits are paid in cash to you.
About Matt
Matt is an independent insurance broker based in Mooresville, serving Iredell County and the Lake Norman area. He's licensed in life and health insurance in 20 states plus DC. He holds a B.S. in Finance, and as a former NCAA football player, he brings a team mindset to every client: prepare well, explain the plan clearly, and stay in your corner long after the decision is made.
Free, no obligation
A supplemental plan that pays a set cash benefit when you are admitted to the hospital, based on the plan you choose. Benefits are paid to you, not the hospital.
No. It is supplemental coverage that works alongside your existing coverage. It is not major medical insurance.
Premiums depend on your age, state, and the benefit level you choose. Matt will show you options available to you with no obligation.
Yes. Cash benefits can be used however you need: medical bills, household expenses, transportation and more.
Matt is licensed in AL, AZ, DE, DC, FL, GA, IL, IN, LA, MD, MI, NJ, NC, OH, PA, SC, TN, TX, UT, VA and WA. Plans and availability vary by state.
Email: matt@themacmillanagency.com
Important: Hospital indemnity insurance pays fixed-dollar cash benefits for covered inpatient stays. It does not replace comprehensive medical coverage or guarantee payment in full of all hospital charges. This is a solicitation for insurance. By responding you will be contacted by a licensed insurance agent. The MacMillan Agency is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any state agency. Hospital indemnity insurance is supplemental coverage and is not a substitute for major medical coverage, and it does not satisfy the requirement for minimum essential coverage. Plans, benefits, limitations, exclusions and availability vary by state and carrier. Benefit amounts depend on the plan selected. Licensed in AL, AZ, DE, DC, FL, GA, IL, IN, LA, MD, MI, NJ, NC, OH, PA, SC, TN, TX, UT, VA, WA.
