Help protect your family's financial security
The 5Star Life Insurance Company (5Star Life) Healthcare Indemnity coverage pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. It gives you the freedom to use the cash benefits as needed – pay medical bills, everyday living expenses, or any other unexpected expenses.
Depending on the plan your employer selects, the policy may cover:
- Hospitalization
- Trips to the Emergency Room
- Ambulance services
- Hospital admission
- Doctor office visits
- Newborn baby care
- Surgical benefits
- Diagnostic services
- Durable medical equipment
- Physical, occupational, and
rehabilitation therapy - Private duty nursing
- Home healthcare
- CT scans and MRI
Go to the hospital and you’re covered, right?
Life can be full of unwelcomed mishaps and being prepared for the unexpected is important. Think about expenses not covered by insurance that could have a big impact for you and your family financially.
- Rising costs of prescriptions
- Increasing co-payments
- Out of network provider fees
Coverage features
Financial back-up
Helps offset expenses not covered by your medical insurance such as deductibles, co-pays, and out-of-pocket costs.
Direct payment
Pays benefits directly to you or a designated medical provider regardless of what your primary insurance covers, with no coordination of benefits.
Ease of payment
Offers the convenience of payroll deduction with optional coverage for your spouse and children.
Preventative care benefit
Benefit is an important part of a health maintenance program and is the best bet for early detection of significant health risks.
Preventative care benefit
This benefit pays once per year, per covered person and is paid directly to you regardless of actual out-of-pocket expenses. Covered tests include, but is not limited to:
- Routine physical exam
- Hemoglobin (A1c)
- Dental Exam
- Optometrist Exam
- Weight reduction program
- Stress test
- Bone Density Screen
- Sleep Test (Epworth Sleepiness Scale)
- Concussion Testing (Baseline)
CoreAssist rider
CoreAssistSM is an optional supplemental medical expense rider (GAP rider) for our Group Healthcare Indemnity insurance product. It helps to reduce out-of-pocket medical expenses for covered events under your major medical insurance plan.
- Works by ‘syncing’ with your primary health insurance plan, providing coverage for deductibles, copays, and coinsurance that your primary plan does not cover.
- Can lessen the financial pain of the healthcare experience.
Commonly Asked Questions About Healthcare Indemnity
What is Healthcare Indemnity Insurance?
Healthcare Indemnity Insurance pays you a fixed cash benefit if you’re hospitalized or experience a covered medical event, regardless of what you actually spend on medical care. It helps you manage deductibles, copays, and other medical and non-medical costs, such as transportation and meals.
How can I use the cash benefits?
You can use the cash benefits as needed to pay medical bills, everyday living expenses, or any other unexpected expenses.
What services may be covered?
Depending on the plan selected by your employer, you may receive benefits for services such as hospitalization, ER visits, ambulance transportation, doctor visits, newborn care, surgery, diagnostics, therapy, home healthcare, CT scans, MRIs, and more.
Will service still be covered even if my health insurance covers it as well?
Yes. Benefits are paid directly to you or a designated medical provider regardless of what your primary insurance covers, with no coordination of benefits.
Is there a preventive benefit?
Yes. This benefit is paid once per year, per covered person, and is paid directly to you regardless of actual out-of-pocket expenses. It helps cover screenings that can increase early detection and treatment options.
We're here to help
Visit the Support Center to file a claim, make a payment or change to your account, answer questions about your coverage, and more.
Product underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company). Product not available in all states. Policy #: 5SHIPOL, 5SGAPR
Note: Supplemental Medical does NOT replace health insurance. It is only available if your employer/plan sponsor has a major medical plan in place.