Hospital Indemnity

Hospital Indemnity  


Even with health insurance, a hospital stay can mean big out-of-pocket costs and stress, especially if you have a high-deductible health plan. If you or a covered family member receive covered hospital care and submit a claim, the Hospital Indemnity Protection Plan will pay you directly in a single payment lump sum. This plan gives you the extra financial help you need so you can focus on feeling better.

The money is yours to use, examples might be: out-of-pocket health plan costs, mortgage or rent, groceries, prescriptions, treatment by a specialist or transportation to and from treatment.

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With the Hospital Indemnity Protection Plan, covered expenses include hospital admission, hospital confinement, intensive care unit (ICU) admissions and ICU confinement.

  • Your benefit is paid directly to you.
  • Your premium is conveniently deducted from your paycheck.
  • You may port your coverage if you leave your employer (certain restrictions apply).
  • Who is eligible?
    • All active, full-time associates working a minimum of 33 hours per week.
    • All part-time associates working 16-32 hours per week.


Explore your supplemental health plans guidebook here.


Add group hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.
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 Benefit and Claim Questions:

How It Works

Checked box paperwork icon Step 1 icon

You enroll in the Hospital Indemnity Protection Plan

Ambulance icon Step 2 icon

You are admitted to a hospital (injury, sudden or developing illness)

Bills icon Step 3 icon

While in the hospital, charges start to add up:

  • • Groceries
  • • Mortgage/rent
  • • Transportation costs
  • • Deductibles
  • • Copays

Payment icon Step 4 icon

The plan pays you a lump sum for every day you are in the hospital up to the benefit plan max–you can use the money for any reason


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    This plan is provided by UnitedHealthcare Insurance Company
  • How can this help me?

    Enrolling in a UnitedHealthcare Hospital Indemnity Protection Plan helps give you and your family more financial security if you or a covered family member receive covered care. The plan will pay you directly in a single payment lump sum to use the money any way you choose.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's benefits enrollment period or if you have a qualifying life event.
  • What if my employment status changes?

    Employees may enroll or change insurance within 31 days of a change in family status. This includes certain changes in employment status that affect benefits eligibility for the covered person, spouse or child, such as termination of employment, a strike or lockout, the start of or return from unpaid leave of absence, a change in worksite, and/or a change in work schedule (between full-time and part-time work, decrease or increase in hours).

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.