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.
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.
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.
The Extended Care Rider Features
- Coverage levels from $100 to $1,000 per day (in $50 increments) for up to 180 consecutive days1,2
- 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
- Under age 70
- Home healthcare: up to $100 per day
- Nursing facility and nursing home: up to $250 per day
- 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
- 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