Hospital Indemnity
Voluntary coverage to protect you and your family in the event of hospital admission or stay.
- Employees enrolled in the HDHP medical plan are provided with the Aetna Hospital Indemnity plan at no additional cost. Employee are automatically enrolled at the same coverage tier as your HDHP medical plan enrollment.
- Benefit: Pays lump-sum cash benefits directly to you for regular and ICU stays, newborn care, and mental health/substance abuse treatment stays.
- 100% Voluntary Coverage. You do not need to be enrolled in Bates’ medical plan to enroll in the Hospital Indemnity plan.
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery which needed to be performed on an inpatient basis.
Because Sarah was admitted to the hospital, she was eligible to receive a $1,000 hospital admission benefit.
Sarah remained hospitalized for three days, and therefore was also eligible for a hospital confinement benefit for days two and three. The benefit was equal to $100 per day, bringing the total payable benefit for Sarah to $1,200.
Had Sarah been confined to the hospital for even longer, the $100 per day confinement benefit would have continued to pay for each day she remained hospitalized.
Sample Reimbursements
Hospital Admission – $1,000, limited to one benefit per year
Hospital Confinement – $100 per day, up to 365 days per year
Hospital (ICU) Confinement – $200 per day, up to 365 days per year
What Hospital Indemnity Covers
- Hospital Admission
- Hospital Confinement (Daily)
- Hospital ICU Confinement (Daily)
- Newborn Routine Care
- Substance Abuse Confinement (Daily)
- Mental Disorder Confinement (Daily)
- Rehabilitation Unit Confinement (Daily)
Plan Costs
| Monthly Plan Cost | Bi-Weekly Plan Cost | |
| Employee Only: | $10.96 | $5.06 |
| Employee and Spouse: | $24.43 | $11.28 |
| Employee and Child(ren): | $18.78 | $8.67 |
| Employee and Family: | $31.04 | $14.33 |
Employees enrolled in the HDHP medical plan are provided the Aetna Hospital Indemnity plan at no additional cost.
Notice Regarding Hospital Indemnity or other Fixed Indemnity Insurance
For plan years beginning on or after January 1, 2026, with respect to Hospital Indemnity or other fixed indemnity insurance.
Important: This is a Fixed Indemnity Policy, Not Health Insurance
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for Comprehensive Health Insurance?
- Visit Healthcare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions About This Policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.