Hospital Care Insurance

Receive payments to help cover the cost of a hospital stay.

If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to add up. Hospital Care Insurance pays lump sum benefits directly to you if you are admitted into a hospital for care due to an illness or injury. Benefits are paid even if you have other coverage. You receive a benefit as soon as you are admitted and then an additional benefit based on the number of days you are confined to the hospital. The benefit increases if you are admitted and confined to an intensive care unit.

Plan Features  

• Guaranteed Issue - There are no health questions or physical exams required.

• Family Coverage - You can elect to cover your spouse and children.*

• Payroll Deduction - Premiums are paid through convenient payroll deduction.

• Portable Coverage - You can take your policy with you if you change jobs or retire.

• Health Screening Benefit - The plan provides a $75 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as a physical exam, total cholesterol blood test, mammogram, lipid panel and more.

These insurance benefits are not sponsored or endorsed by ATD and are voluntary benefits that are not subject to ERISA. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

This plan is not a replacement for medical insurance.

*If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child. If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.