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Hospital Indemnity Insurance

Cash benefits paid directly to you to help with the unexpected costs of a hospital stay.

What is Hospital Indemnity?

Hospital Indemnity Insurance is supplemental insurance that pays cash benefits directly to you if you're admitted to the hospital for a covered illness or injury. These benefits can help with out-of-pocket medical costs and everyday expenses while you recover.


Unlike traditional health insurance, the money is paid directly to you, giving you the flexibility to use it where you need it most, whether that's deductibles, copays, household bills, transportation, or other unexpected expenses.


If you're looking for added financial protection during an unexpected hospital stay, Hospital Indemnity Insurance may be worth considering. Explore the plans we offer to learn more about your options.

How Hospital Indemnity Works With Medicare

Medicare and Medicare Advantage plans help cover hospital care, but you may still be responsible for deductibles, daily hospital copays, and other out-of-pocket expenses. Hospital indemnity insurance can provide an additional cash benefit for covered hospital stays, helping you prepare for costs your primary health coverage may not fully pay.


Hospital indemnity insurance does not replace Medicare or other health insurance. It works alongside your existing coverage to provide an added layer of financial protection.

See How Advantage Plus Elite Works

Watch this short video to learn how hospital indemnity insurance can provide cash benefits for covered hospital stays and related services—helping with expenses your primary health plan may not fully cover.


Coverage, benefits, and availability vary by policy and state.

See If This Coverage Fits Your Needs

Have questions about hospital indemnity insurance? Contact Payton Agency for a no-pressure review of your options.

Schedule a Coverage Review

Not affiliated with the U. S. government or federal Medicare program. We do not offer every plan available in your area. Currently we represent 16 organizations which offer approximately 135 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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