On Medicaid and turning 65? I'll help you choose a Medicare plan that coordinates with both. Coordinating Medicaid + Medicare →
Shoreline & Sound
Call Amanda (203) 350·2026 Book a call →
Hospital indemnity · Supplemental

Hospital indemnity:
cash for the days
your insurance won't pay for.

Hospital indemnity is a supplemental policy that pays a fixed daily benefit when you're admitted to the hospital. It's not a replacement for health insurance — it sits on top of it — and it covers the costs your primary insurance leaves behind: deductibles, coinsurance, the 20% Medicare doesn't pay, lost wages, the cost of a family member traveling to be with you.

Free hospital indemnity quote → Or read about Medicare

What it does

  • Pays a fixed dollar amount per day for inpatient hospital admission — typically $100 to $500/day depending on the policy.
  • Pays additional benefits for ICU stays, surgeries, ambulance trips, and (sometimes) outpatient procedures.
  • Pays directly to you, not the hospital. You spend it on whatever you need — rent, groceries, transportation.
  • Pays in addition to whatever your primary insurance pays.

Who it fits

Hospital indemnity is a cross-sell product. We almost never recommend it as a stand-alone purchase. It fits well alongside:

  • A high-deductible health plan through Access Health CT or an employer — it offsets the deductible.
  • Original Medicare without a Supplement plan — it covers Medicare's hospital coinsurance, which can stack up after long stays.
  • Medicare Advantage with a hospital co-pay structure — it offsets per-day inpatient costs.

If you have a generous employer plan with a low deductible, hospital indemnity is usually unnecessary. We'll tell you if that's your situation. For diagnosis-specific protection, a cancer policy works the same way — cash paid to you, on top of your primary coverage.

Honest about limits

Hospital indemnity is not catastrophic insurance. It pays modest daily amounts. If you don't have primary health coverage, hospital indemnity won't fill that gap — you need real insurance, like Medicare, an Access Health CT plan, or Medicaid.

What it costs

Premiums vary by age and benefit amount. A 65-year-old buying a $300/day policy might pay $40–$80/month. A 75-year-old might pay $90–$150/month for the same coverage. We'll quote across carriers.

Free quote · No commitment

Hospital indemnity, only if it fits.

One conversation. We'll tell you whether your primary coverage already has you covered — or whether the supplemental dollars actually matter for your situation.

Free quote → (203) 350·2026

In person · By phone · By video