Your guide to
Hospital Indemnity Insurance in Texas
A hospital stay can leave you with deductibles, copays and bills at home. Our agency helps you understand how hospital indemnity insurance pays set benefits for covered stays, in addition to your health insurance.
What it covers
How hospital indemnity coverage works
Hospital indemnity policies pay fixed amounts for covered hospital events, rather than paying a share of your actual bills. Benefits and limits vary by policy.
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Hospital admission
Many policies pay a set benefit when you are admitted to a hospital for a covered reason.
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Daily hospital benefit
Some policies pay a set amount for each day of a covered stay, up to a maximum number of days.
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Intensive care
Some policies pay an added benefit for time spent in an intensive care unit during a covered stay.
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Benefits paid to you
Benefits are generally paid directly to you and can help with deductibles, copays or household expenses.
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Waiting periods and exclusions
Policies may have waiting periods, limits for pre-existing conditions and exclusions for certain types of stays.
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Why it matters
A fixed benefit, not a health plan
Hospital indemnity insurance pays set amounts for covered hospital stays, generally regardless of the actual bill. It works in addition to your health insurance and is not a substitute for comprehensive coverage.
Because the benefit is fixed, it may cover only part of the costs of a hospital stay. Reviewing how admissions, daily benefits and exclusions are defined helps you see how a policy could fit alongside your health plan.
Some policies treat an observation stay differently from a hospital admission, so it helps to check how the policy defines each one.
Answers
Hospital indemnity insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Generally not directly. It usually pays a set benefit to you for a covered stay, which you can use toward the bill or other expenses.
No. It pays fixed benefits in addition to health insurance and is not a substitute for comprehensive coverage.
Some policies include benefits for certain outpatient services, while others cover only hospital stays. We can help you review what a policy includes.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.