If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to add up. Hospital Indemnity Insurance pays benefits directly to you if you are admitted into a hospital for care or childbirth. 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 or inpatient rehabilitation.
Anyone who enrolls in Hospital Indemnity Insurance and uses the Virginia Hospital Facility for care will get an additional 25% payout. For example:
A man suffers a stroke and is admitted to the Intensive Care Unit of the hospital for three days, then to a regular hospital room for five days, followed by 10 days in the rehab facility.
Outside of VHC Facility |
Within a VHC Facility |
|
---|---|---|
Admission |
$1,000 |
$1,250 |
ICU Admission |
$1,000 |
$1,250 |
ICU Confinement |
$800 |
$1,000 |
5 Days – Daily Confinement |
$1,000 |
$1,250 |
10 Days – Rehab Confinement |
$2,000 |
$2,000 |
Total |
$5,800 |
$6,750 |
Coverage Options |
Monthly Cost to You |
---|---|
Employee |
$30.53 |
Employee & Spouse |
$52.71 |
Employee & Children |
$44.47 |
Employee & Spouse/Child(ren) |
$66.65 |
Plan Features
*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.
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
This plan is not a replacement for medical insurance.