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.
Privately insured Americans of working age spent over $1,000 out of pocket per hospital stay in 2013.2
Hospital indemnity insurance is a voluntary benefit that helps cover out-of-pocket expenses related to hospital stays, outpatient surgery, inpatient services, emergency room trips, diagnostic tests and doctor's office visits.
If you experience a covered hospital stay or procedure, you can file a claim to begin receiving benefits paid directly to you (or your designee).
To start the claims process or see the status of a claim you have already filed, log in to your account. Filing an eClaim and setting up direct deposit is the fastest way to receive benefits. Paper claims are also available. For more information on filing claims, visit our hospital/outpatient surgery claim page.
You may be able to keep your coverage depending on the policy you have. If you are able to take your policy with you, you will receive a Continuation of Coverage letter with instructions on next steps when your current employment ends. You will need to change your payment method to direct bill, which means you pay Colonial Life directly instead of paying through your employer. To learn more and begin this process, download the Conversion Request Form.