Hospital Indemnity

Hospital Indemnity  

Overview

Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds for the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.

 

How does it work?

 

This insurance provides cash benefits that correspond with first day hospital confinement, daily hospital confinement and hospital intensive care.

 

You may receive a benefit for the following:

  • Covered hospital admission
  • Each day of your covered hospital stay
  • Emergency-room treatment for an accident
  • Ambulance or air ambulance transportation

 

Advantages of the plan

  • Coverage is available to all eligible employees who are actively at work
  • You can buy coverage for your spouse and dependent children
  • This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your plan
  • Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions
Enrollment

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

 

To enroll, contact the Henkel Benefit Admin System or call the number below:

 

Tell Me More

The average price of a hospital stay is $97001

 

Not counting ambulance, intensive care treatment and dozens of other expenses medical insurance may not cover. With Hospital Indemnity Insurance, you collect a lump sum each day you’re in the hospital – for any reason.

 

That money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need.

  • Pays when you’re hospitalized, regardless of the reason
  • Lump sum paid directly to you
  • Pays benefits in addition to your medical insurance
  • Pregnancy costs covered
  • No proof of good health needed to enroll
  • You can keep your coverage if you leave your employer

 

1Kashihara, D. and Carper, K. National Health Care Expenses in the U.S. Civilian Noninstitutionalized Population, 2009. MEPS Statistical Brief #355. January 2012. Agency for Healthcare Research and Quality, Rockville, MD. http://www.meps.ahrq.gov/mepsweb/data_files/publications/st355/stat355.pdf. (Accessed August 22, 2012).

Hospital Indemnity Insurance is provided by policy form GVSP2, or state variations thereof. This information has exclusions and limitations and is incomplete without brochure POD3432 and the accompanying insert.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-866-795-4268
 Hours
 M-F 9a-6p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works



FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • What is Hospital Indemnity Insurance?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

     

    Features of Hospital Indemnity Insurance include:

    • Flexibility: You can use the benefit money for any purpose you like
    • Payroll deductions: Premiums paid through convenient payroll deductions
    • Affordable coverage: Rates are typically lower when you purchase coverage through your employer
    • Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
  • How can Hospital Indemnity Insurance help?

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for Hospital Indemnity Insurance?

    • You—all active employees working 30+ hours per week
    • Your spouse*under age 70. Coverage is available only if Employee coverage is elected
    • Your child(ren)—to age 26. Coverage is available only if Employee coverage is elected

     

    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

  • How do I file a claim?

    Please submit a claim on MyBenefits, by fax or by mail. You can download the claims form here and find more information about MyBenefits here.

     

    For questions regarding policy benefits or supporting documentation or for claim assistance, please call Allstate Benefits' Customer Care Center at 1-800-521-3535, Monday through Friday 8:00 am to 8:00 pm ET.

  • Who is the provider?

    We’ve teamed up with Mercer Voluntary Benefits and Aflac to bring you this Hospital Indemnity Plan.
    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly, promptly and directly to the insured, unless otherwise assigned. For nearly six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.

    Continental American Insurance Company (CAIC ), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sit used in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sit used in New York, coverage is underwritten by American Family Life Assurance Company of New York. Continental American Insurance Company • Columbia, South Carolina

    This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

    In Arkansas, Policy CA8500-MP(AR) and C80100AR. In Idaho, Policy CAI8500ID and C80100ID. In New York, Policy AF8500NY.  In Oklahoma, Policy CA8500-MP(OK) and C80100OK.  In Oregon, CAI8500OR and C80100OR. In Pennsylvania, CA8500-MP-PA and C80100PA.   In Texas, CA8500-MP and C80100TX. In Virginia, CA8500-MP (VA) and C80100VA.
  • How can this help me?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


    Benefits of the plan include:

    • Hospital Confinement Benefit
    • Hospital Admission Benefit
    • Hospital Intensive Care Benefit
    • Intermediate Intensive Care Step-Down Unit

     

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible?

    • You — all active employees working 30+ hours per week
    • Your spouse — under age 70. Coverage is available only if Employee coverage is elected
    • Your child(ren) — to age 26. Coverage is available only if Employee coverage is elected
  • When can I enroll?

    You can enroll anytime! At certain times, you may be allowed to enroll more easily by not completing as many questions.

    These times include:

    • During your new hire enrollment period.
    • During special enrollment periods.
    • Soon after a qualifying life event.
  • How much will this coverage cost?

    Your cost is based on several factors including your age, any special features you select, and the amount of coverage you want. Also, you may be eligible for a premium discount if you do not use tobacco. To get a free, no-obligation online quote, click the "Enroll Now" hyperlink.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.