Don P. Baker 

Real estate - insurance - HEALTH consultants


This coverage helps cover expenses associated with a surgery or a stay in the hospital that aren’t covered by most medical plans.

Offset medical costs with hospital indemnity insurance
Help cover what health insurance doesn't with hospital indemnity benefits

For many, health insurance premiums and deductibles are skyrocketing while coverage is staying the same or worsening. Hospital indemnity insurance helps offset these additional costs by paying benefits for covered surgeries and hospital stays or services.

  • Hospital costs already cause enough stress
  • Hospital indemnity coverage shifts the focus to healing, not finances

When you're in the hospital or undergoing outpatient surgery, the last thing you need to worry about is how much it will cost to get better. Even when you have health insurance, premiums don't cover everything. The average expense for a hospital stay ranges from $9,100 for a medical stay to $22,700 for a surgical stay.

If you're admitted to the hospital for a covered accident or sickness, hospital indemnity insurance plans provide benefits that can help pay for hospital expenses that aren't covered by your health insurance, such as costs related to:

  • Outpatient surgery
  • Inpatient services
  • Diagnostic tests
  • Doctor appointments
  • Emergency room trips

When a sudden illness or injury affects your health, our hospital indemnity insurance helps minimize its effect on your finances. After customizing a policy with your preferred benefit amount, you can use your insurance to pay for day-to-day bills or out-of-pocket medical costs, such as deductibles, co-payments and other expenses.

Hospital indemnity insurance makes it easy to customize a policy and help prepare for unexpected expenses. Most plans even include an annual wellness benefit to help promote a healthy lifestyle.


  • Benefits payable directly to the policyholder (unless specified otherwise) that can be used for any purpose
  • Availability for you, your spouse and eligible dependent children
  • Clear benefit amounts so you know the exact amount that's payable for covered services