SUPPLEMENTAL PLANS
Hospital insurance
Hospital indemnity insurance, also called hospitalization insurance or hospital insurance, is a plan that pays benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.
UnitedHealthcare hospital insurance plans, underwritten by Golden Rule Insurance Company, can help your medical coverage by providing cash to help cover deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.
What is hospital insurance?
Hospital stays can strain even the healthiest of budgets. And in many cases, you can’t ignore the care you need even if it pushes you financially. Hospital Indemnity insurance plans provide payment for a set number of days per hospitalization, and for some other qualified expenses as well.F101 That’s money you can use as you choose, whether for hospital bills or those other costs that come up while you’re recovering.
What are the benefits of hospital insurance?
Hospital insurance can benefit you and your family in many ways...
Benefits are yours to use how you wish
No networks required – benefits are the same no matter where you get care
You don’t face any deductibles to receive benefits
It’s possible to get coverage for the entire family
Coverage is renewable until age 65
Nearly 34 million patients
are admitted to the hospital each year.F60 If you needed to stay in a hospital, would your finances be affected?
How simple is it to use hospital insurance?
Using hospital insurance is very simple. After you receive care for a qualified medical service, simply complete a claim form and submit it with copies of your receipts. That’s it. Then you’ll receive a check for the fixed amount specified by your plan for that service (within your calendar-year maximum). Or if you choose, benefits will be paid directly to a hospital or other provider if you make an assignment of benefits.
1
Receive care for qualified
medical service
2
Submit a
claim form
3
Receive
a check
Note: This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
Help for the bills from hospital stays – even expected visits – with hospital insurance from UnitedHealthcare.
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