Healthcare Indemnity

Most employees pay a greater percentage of medical costs than ever before. On average a family with a high deductible plan will pay more than $4,000 out-of-pocket just for medical expenses and in the case of hospitalization, it could be even more.1 And consider the possibility of having to hire help at home, additional child care expenses or any other unexpected expenses while hospitalized.

The Healthcare Indemnity Plan (the plan)* is designed to pay cash benefits when an employee is hospitalized or receives other medical treatment covered under the plan. The plan was created with employees’ needs in mind – providing convenient cash benefits with streamlined flexibility from day one.

Why This Coverage Makes Sense

The plan is designed to be a strong supplement to existing medical coverage by filling the gaps created by rising deductibles, increasing co-payments, and higher out-of-pocket maximums. Benefits under the plan are paid directly to the employee or medical service provider and are not coordinated with any other form of insurance.

Employees enjoy the freedom to use the cash benefits as needed – to cover out-of-pocket medical expenses, everyday living expenses, or other unexpected expenses.

Plan Coverage Benefits

Benefits may vary based on plan selected

  • Hospitalization
  • Trips to the Emergency Room
  • Ambulance services
  • Hospital admission (Child birth only)
  • Confinement to an Intensive Care Unit
  • Hospitalization due to mental illness and substance abuse
  • Physicals and other well-care exams
  • Pharmacy benefits (available as either a discount or indemnity program)
  • Outpatient doctor office visits
  • Surgical benefits
  • Diagnostic lab work, X-ray and radiology services
  • Durable medical equipment
  • Physical, occupational, and rehabilitative therapy
  • Chemotherapy & dialysis treatments
  • Private duty nursing
  • Home healthcare
  • CT scan
  • MRI

Wellness Matters

Annual well care is an important part of a health maintenance program and is the best bet for early detection of significant health risks. Numerous studies have shown that early detection helps save lives and increases treatment options.** In recognition of this, our Healthcare Indemnity policy has an annual wellness benefit that is payable to each covered individual under the plan. This benefit pays once per year, per covered person and is paid directly to your employee regardless of any expense he/she may have incurred as part of this process.


1 Brandeisky, K. Here’s How Much the Average American Worker Has to Pay for Healthcare, Sept. 2015, www.time.com/money/4044394/average-health-deductible-premium
* Subject to claims processing
** Cancer Facts & Figures 2016. American Cancer Society, www.cancer.org

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