Hospital-confinement indemnity coverage

A hospital-confinement indemnity plan pays you a fixed fee if you are admitted to a hospital. A hospital indemnity plan is not health insurance. You use it like supplemental hospital coverage. So if you have to stay in the hospital, the plan gives you extra money to help you pay for your care.

Hospital confinement indemnity insurance is not regulated under the ACA and insurers can deny you coverage if you have a pre-existing condition. It should not be viewed as a replacement for health insurance.

WebMD Medical Reference Reviewed by Sarah Goodell on June 19, 2021
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