Rising Costs Require Layers of Protection
The average cost for a hospital stay is $2,346 per day1
Get More Protection
If you have a medical plan, you may also have a high deductible to pay be-fore your coverage begins paying. Hospital Indemnity (HI) works with Critical Illness (CI) and Accident (AI) insurance plans to offer a cost-efficient way for you to fill in more of the financial gaps.
Here’s How It Works
When you elect HI coverage with CI and AI, you maximize the protection you receive at the time of a covered illness or injury. There are no offsets and no restrictions on how the benefit amounts paid to you can be used, which means you can use the cash to cover those high deductibles – and any other costs as well.
Here Is How They Integrate
In the event of a covered illness or injury, HI, CI and AI could each pro-vide you with separate lump-sum cash benefits, helping to fill those finan-cial gaps and easing the impact of unexpected medical costs for you and your family.
of Americans with medical insurance used all their savings for out-of-pocket medical costs.2
A Compliment To Medical Insurance
When it comes to paying for medical care, your medical insurance plan plays a very important part, but there are also expenses associated with illness or injury that you will still be expected to cover. The cash benefits provided by HI, CI and AI are independent from any claims or coverage provided by medical insurance. This cash can be used to help cover the bills or added expenses that your medical plan may not cover, like co-pays, deductibles or any other living expenses.
- Hospital Indemnity (HI)
- Provides a cash benefit for each day confined in a hospital for a covered illness or injury.
- Critical Illness (CI)
- Provides lump-sum benefit upon diagnosis of a covered illness. Includes Cancer and Vascular diseases.
- Accident Insurance (AI)
- Flat benefit payments for related expenses and treatments. More than 80 accidental injuries.
- High Deductible Health Plans are important, but don’t always cover everything.
Please note that CCSO charges an administration fee per insurance policy for in-house reconciliation purposes.
Prepare. Protect. Prevail. With Hartford.®
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS.
This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
CRITICAL ILLNESS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASE ONLY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
1 Kaiser Family Foundation, November 2016 Adjusted expenses per inpatient day include expenses incurred for both inpatient and outpatient care; inpatient days are adjusted higher to reflect an estimate of the volume of outpatient services. http://kff.org/other/stateindicator/expenses-per-inpatient-day-by-ownership
2 Kaiser Family Foundation and the Health Research & Educational Trust, 2015.
Accident Form Series includes GBD-1000, GBD-1300, GBD-2000, GBD, 2300. Critical Illness Form Series includes GBD-2600, GBD-2700. Hospital Income Plan Form Series includes GBD-2800, GBD-2900 or state equivalent of these forms.
6750 NS 08/17 © 2017 The Hartford Financial Services Group, Inc. All rights reserved.