Hospital Indemnity Insurance Plan

Insurance Plan

Budgeting for healthcare insurance is challenging enough, let alone the various medical expenses that are not covered by it. Between high deductibles and copays, not to mention the loss of income if you can’t work, even a minor medical emergency could have a significant impact on your financial health.

That's why the ADA Hospital Indemnity Insurance Plan is a valuable addition to the ADA Members Insurance Plans portfolio. As an ADA member, you have exclusive access to this competitively priced insurance plan that can help offset the unexpected medical expenses your healthcare insurance may not cover.

Cash benefits paid directly to you. You can apply for up to $1,000 in cash benefits for each day you’re hospitalized or undergoing qualifying outpatient treatments, including ER visits.

Use the funds as you wish. Pay medical expenses not covered by your insurance, travel expenses for out-of-town medical care or use the funds however you choose.

Competitive ADA member rates. Take advantage of our low ADA member rates to help with unexpected medical expenses.

The ADA Extended Care Rider

Many health conditions require continued care after you’ve been hospitalized. Sometimes health insurance comes up short on coverage for these extended care services, leaving you holding the bill for expenses you may not have planned for.

The optional ADA Extended Care Rider can be added to the ADA Hospital Indemnity Insurance Plan to help with some of these potential expenses for an additional low ADA member premium.

• Provides benefits for up to 200 days to help address long-term care needs for home healthcare, skilled nursing and nursing home expenses after you’ve been hospitalized
• Pays a lump sum directly to you

Watch a short video to learn more about the benefits of the Hospital Indemnity Insurance Plan and Extended Care Rider.

Apply for the Hospital Indemnity Insurance and Extended Care Rider.

Rates

When you see how competitive the premiums are for the ADA Hospital Indemnity Insurance Plan and the Extended Care Rider, you’ll realize this is a smart way to supplement your health insurance.

• Available at low ADA member rates for you and your family
• Receive a cash benefit for each day you’re hospitalized to help offset high deductibles and other out-of-pocket medical expenses that may result

The ADA Extended Care Rider Premiums

• Can be added to the Hospital Indemnity Insurance Plan for an additional low member rate
• Receive a lump sum cash payment to help cover home healthcare, skilled nursing and nursing home expenses after you’ve been hospitalized

To learn more and compare premiums by age and coverage options, download the Hospital Indemnity Insurance Plan Rate Chart. You can also obtain a rate quote online.

Features

The ADA Hospital Indemnity Insurance Plan and Extended Care Rider combine comprehensive coverage with value and convenience to make this insurance plan fit easily into your insurance portfolio — and your life.

• Coverage levels from $100 to $1,000 per day (in $50 increments) for up to 180 consecutive days^1,2
• Eligible to apply for coverage up to age 65³
• Renewable up to age 90³
• Acceptance is guaranteed⁴
• Coverage available for your spouse and eligible dependents⁵
• Qualifying pregnancy-related and outpatient treatments, including ER visits, receive 100% of the daily benefit

When you add this rider to the Hospital Indemnity Insurance Plan, you’ll receive additional benefits that may help pay for up to 200 days of home healthcare, skilled nursing facility and nursing home after you’ve been hospitalized.⁶

• Under age 70
  • Home healthcare: up to $100 per day
  • Nursing facility and nursing home: up to $250 per day
• Age 70+
  • Home healthcare: up to $100 per day
  • Skilled nursing facility: up to $250 per day after 20 days
  • Nursing home: up to $250 per day after 90 days
• Coverage details
  • Available to all eligible ADA members and spouses under the age of 65, and dependents under age 21 (or 27 if a full-time student)
  • The Extended Care Rider requires medical underwriting

¹Premiums are effective as of 4/1/2020 and include a 45% Premium Credit discount that shares favorable financial results with Plan participants; discount is not guaranteed but reevaluated periodically. The Extended Care Rider provides a daily benefit for up to 200 days.

²At age 70, Hospital Indemnity Insurance plan coverage maximum is $200 per day for all participants.

³Beginning at age 65, benefit amounts can no longer be increased. Hospital Indemnity Insurance Plan Coverage is renewable up to age 90.

⁴Hospital Indemnity Insurance Plan claims are not payable for any confinement or treatment resulting from a condition for which the insured received any medical treatment, care, advice, or medication within 12 consecutive months before the effective date of this insurance and applicable to any insurance increases.

⁵Members who are under age 65 with unmarried children under age 21 (27 if they are full-time students) can apply for dependent children coverage. The monthly cost for each dependent child is $1.74 per $100 of benefit.

⁶Benefits for confinement in a Skilled Nursing Facility or Home Healthcare will be payable only if such post-hospital confinement begins within seven days after at least three consecutive days of confinement in a hospital.