Hospital indemnity insurance is a supplemental policy that pays a fixed cash benefit when you’re admitted to or spend time in a hospital, paid directly to you, regardless of what your major-medical plan covers. It’s meant to help with deductibles, coinsurance, and everyday bills, not to replace health insurance.
Ancillary Benefits
Ancillary benefits round out a package beyond major medical, including accident, critical illness, and hospital indemnity coverage. These FAQs explain how supplemental policies work and when they help.
What is an Employee Assistance Program (EAP)?
An EAP is an employer-sponsored benefit that gives employees and their household free, confidential access to short-term help: counseling for mental health, stress, relationships, grief, and substance use, plus referrals for legal, financial, and work-life issues. It’s typically offered at no cost to the employee.
What are accident and critical illness insurance?
Accident insurance pays a fixed cash benefit for injuries from a covered accident (such as an ER visit or a fracture), and critical illness insurance pays a lump sum when you’re diagnosed with a covered condition like cancer, heart attack, or stroke. Both pay you directly to help with costs your medical plan doesn’t, and are popular alongside high-deductible plans.