Supplemental

Fill the Gaps Your Clients' Plans Leave Behind

Hospital indemnity pays cash directly to the client during hospitalization — regardless of other coverage. The perfect companion for Medicare Advantage.

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The Gap Problem

Medicare Advantage plans often come with low or $0 monthly premiums — but that doesn't mean hospitalization is free. Most MA plans require significant copayments once a beneficiary is admitted, with inpatient hospital copays commonly starting at $1,500 or more for the first days of a stay.

These out-of-pocket costs catch seniors off guard. When a client faces a serious health event, the last thing they should worry about is how to pay the hospital bill. Hospital indemnity steps in with direct cash benefits to cover exactly these gaps — no claims fights, no network restrictions, no questions about what was or wasn't covered.

⚠ Average MA Hospital Copay: $1,500+

Hospital hallway showing the reality of inpatient care costs clients face

How Hospital Indemnity Fills the Gap

Client Hospitalized

Your client is admitted to a hospital for a covered inpatient stay. Their Medicare Advantage plan kicks in — but so does the copay obligation, often $1,500 or more.

Benefit Paid Directly to Client (Not the Hospital)

The hospital indemnity plan pays a daily cash benefit — typically $100–$500 per day — directly to your client, not to the provider. No coordination of benefits, no network rules.

Client Uses Cash for Any Expense

Your client uses that cash however they need — to cover the hospital copay, pay rent while unable to work, handle groceries, or any other expense that arises during recovery.

Why Agents Love It

Built for Simple, Powerful Protection

Hospital indemnity is one of the easiest supplemental products to explain — and one of the most meaningful for clients on Medicare Advantage.

Daily Cash Benefit $100–$500/day

Clients receive a set daily cash benefit for every day of covered hospitalization. Benefits are flexible and can be structured to cover the MA copay gap entirely, giving clients real peace of mind.

No Network Restrictions

Unlike traditional health insurance, hospital indemnity benefits are not tied to any provider network. Your client gets paid regardless of which hospital they use or which doctors they see.

Works With Any Insurance

Hospital indemnity is designed to layer on top of existing coverage. It works seamlessly alongside Medicare Advantage, Medicare Supplement, employer plans, or any other health insurance your client carries.

Insurance advisor reviewing hospital indemnity plan details with a senior client

Product Details at a Glance

Everything agents need to know to confidently place hospital indemnity alongside Medicare Advantage.

Benefit Amounts

$100/day — entry-level coverage
$200/day — mid-tier, most common
$300/day — enhanced benefit
$500/day — maximum daily benefit
Benefit paid per day of inpatient stay
ICU riders available with select carriers

Covered Events

Inpatient hospital admission
Intensive care unit (ICU) stays
Observation stays (plan dependent)
Skilled nursing facility (SNF) stays
Surgery and recovery
Ambulance transport (select plans)

Commission Details

Competitive first-year commissions
Renewal commissions year over year
Easy cross-sell with MA enrollment
Short application — faster placement
Guaranteed issue options available
Multiple top-rated carriers contracted