Hospital Indemnity | meandmedicare

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Key Features:

Great complement to Medicare - Available for issue ages 60-90
Flexibility to choose the coverage that best fits your needs and budget
Hospital Indemnity benefit that pays for qualified stay, regardless of other insurance
No waiting period for standard plan benefits and most optional benefits

Original Medicare: In 2025, the “Part A” deductible is $1,676 per benefit period. After meeting this deductible:
- Days 1–60: $0 coinsurance
- Days 61–90: $419 per day
- Days 91–150: $838 per day (using lifetime reserve days)
- Beyond 150 days: All costs
Medicare Advantage: Plans often have daily copayments for inpatient stays, such as $250–$400 per day for the first few days, then $0 thereafter. Some plans may have a flat fee per admission.
Hospital Indemnity: Amount payable per person, per day, for a qualified hospital confinement for sickness or injury; limited to a maximum number of days per period of confinement
- Benefit Period Days and Confinement Benefit: (cost varies)
  - Inpatient Hospital Confinement days: Choose between 1 day up to 10 days
  - Guaranteed Issue (GI): Choose between $50 up to $400
  - Simplified Issue (SI): Choose between $450 up to $1,000

2. Ambulance Benefit:

Original Medicare: After the Part B deductible of $257 in 2025, you pay 20% of the Medicare-approved amount for medically necessary ambulance services.
Medicare Advantage: Many plans charge a fixed copayment per ambulance ride, typically ranging from $100 to $300, depending on the plan and service area.
Hospital Indemnity: Add the Ambulance Benefit to help with the costs of ground or air transportation for sickness or injury that results in an inpatient hospital confinement. You choose the benefit level that works for your needs and budget (max 4 per calendar year).
- Guaranteed Issue (GI): Choose between $100, $200 or $300
- Simplified Issue (SI): Choose between $400 or $500

3. Emergency Room/Urgent Care Benefit

Original Medicare: For emergency room visits, after the Part B deductible, you pay:
- A copayment for the visit
- 20% of the Medicare-approved amount for physician services
Medicare Advantage: Plans usually have set copayments:
- Emergency Room: $80–$150 per visit
- Urgent Care: $20–$50 per visit
Hospital Indemnity: Trips to the ER or Urgent Care can add up. This benefit can help with the costs of a visit to the Emergency Room or Urgent Care for sickness or injury. You choose the benefit level that works for you, and it's paid for qualifying visits regardless of whether the result of the visit is an inpatient hospital stay (max 4 per calendar year)
- Guaranteed Issue (GI): Choose between $100 or $200
- Simplified Issue (SI): Choose between $300, $400 or $500

4. Outpatient Major Diagnostic Benefit

Original Medicare: After meeting the Part B deductible, you pay 20% of the Medicare-approved amount for diagnostic tests and services
Medicare Advantage: Copayments for major diagnostic services like MRIs or CT scans typically range from $100 to $300, depending on the plan.
Hospital Indemnity: If you're worried about the costs of medical testing, consider adding this benefit. Choose the benefit level that works for you to help offset some of the expense of qualified outpatient diagnostic exams for treatment of sickness or an injury, like an MRI, a PET scan, an EEG or EKG and more (max 2 per calendar year)
- Guaranteed Issue (GI): Choose between $100 or $200
- Simplified Issue (SI): Choose between $300, $400 or $500

5. Skilled Nursing Facility Benefit:

Original Medicare: For each benefit period:
- Days 1–20: $0
- Days 21–100: $209.50 per day
- Beyond 100 days: All costs
Medicare Advantage: Many plans have daily copayments for days 21–100, often between $150 and $200 per day. Some plans may offer lower copays or additional coverage.
Hospital Indemnity: Take some of the financial worry out of staying in a skilled nursing facility due to sickness or injury by adding this benefit. It pays your chosen benefit amount (from $100-$500) per day for days 21-100 of a qualified stay per period of care. (A period of care begins on the day a covered person begins their stay in the facility and ends after that covered person completes 60 consecutive days without being confined to the nursing facility.
- Guaranteed Issue (GI): Choose between $100 or $200
- Simplified Issue (SI): Choose between $300, $400 or $500

6. Outpatient Surgical Benefit:

Original Medicare: After the Part B deductible, you pay 20% of the Medicare-approved amount for outpatient surgical.
Medicare Advantage: Copayments for outpatient surgeries can range from $200 to $500, depending on the complexity of the procedure and the plan's terms.
Hospital Indemnity: With outpatient surgeries becoming more common, this benefit may make sense for you. With it, you choose the level of benefit to help cover the cost of surgery performed at an outpatient surgical facility due to sickness or injury (max 2 per calendar year).
- Guaranteed Issue (GI): Choose between $250 or $500
- Simplified Issue (SI): Choose between $750 up to $2,500