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The Basic Care Hospital Indemnity insurance policy helps fill some gaps in existing insurance plans. The policy pays over and above any other health insurance benefits with no deductibles or coinsurance. The plan is straightforward, and benefits can be paid directly to you or your health care provider. Any medical doctor or hospital may be used.
The plan year begins January 1, and changes can be made each year without underwriting each open enrollment. Newly eligible associates may enter the plan the first day of the month following one month of service without underwriting. Associates scheduled to work at least 30 hours per week, spouse, and dependent children under age 26 are eligible to participate.
The plan pays you cash for the following illnesses, conditions, and procedures:
- Hospital confinement
- Critical illness diagnoses
- Heart Attack
- Stroke
- Coronary artery bypass surgery
- Invasive and noninvasive cancer
- Angioplasty
- Skin cancer - Preventive Care
- Annual physical exam
- Routine eye exam
- Immunizations
- Blood glucose and blood screening tests
Additional Resources:
Hospital Indemnity Brochure & Rates
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
• The payment you get isn't based on the size of your medical bill.
• There might be a limit on how much this policy will pay each year.
• This policy isn't a substitute for comprehensive health insurance.
• Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
• Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
• To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy?
• For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
• If you have this policy through your job, or a family member's job, contact the employer.
