How It Works
An unplanned hospital stay can really put a damper on your family fun. But you’ve done your homework. And you know that having Hospital Indemnity insurance can keep that from happening. Sure, your health insurance will help cover medical treatments and some of your hospital stay. But what about the rest? That’s where Hospital Indemnity insurance can help.
With Hospital Indemnity insurance, you receive cash benefits for covered hospital stays and expenses. The money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Getting coverage is easy and affordable with:
Who is eligible?
Can I insure my domestic or civil union partner?
| Phone 1-800-609-8504 |
| Hours M-F 6a-3p PT |
|---|
| Email employerbenefitsinquiries.service@mercer.com |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity.
What is Hospital Indemnity insurance?
Hospital Indemnity insurance provides a cash benefit in the event of an unexpected hospital stay for a covered illness and/or injury. You and your covered dependents are paid a set benefit amount, depending on your plan and the length of your stay.
You never know when you’ll need extra support. That’s why The Hartford partners with your employer to offer you voluntary benefits – what we call “voluntary insurance coverages.” You can use the payment in any way you choose – from medical expenses like deductibles, to every day costs, like housekeeping and child care.
Why do I need it?
Hospital Indemnity insurance provides:
Am I guaranteed coverage?
This insurance is guaranteed issue coverage – it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured.
When can I enroll?
You may enroll during any scheduled enrollment period, or within 31 days of the date you have a change in family status.
When does this insurance begin?
Insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. © 2021 The Hartford.
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent. Policy number [681987].
770606c 07/21
To learn more, visit the links and download the educational PDFs provided. These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Hospital Indemnity 2023 Plan Highlights |
| Hospital Indemnity Insurance Flyer |
| Premium Sheet |
| How to File a Claim |
| Portability Form |
| LifeLime Financial Wellness Blog |