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Hospital Indemnity Insurance That Pays You Directly
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Simple help when costs spike
A simple way to offset hospital bills
A hospital stay can trigger deductibles, copays, travel, and time away from work. Hospital indemnity insurance pays set cash benefits per day or per event so you can cover what your primary plan does not. Money is paid to you, not the hospital, which means flexibility for lodging near a medical center, childcare, or recovery needs. Granen Insurance serves 31+ states and helps clients pair this coverage with health insurance or medicare advantage to reduce surprises during admissions.
What these plans include
How hospital indemnity coverage works
Many plans offer guaranteed issue at select benefit amounts and ages. Typical features include daily inpatient benefits, observation or ER benefits, ambulance coverage, and optional riders for surgery or rehab. Benefits can stack with your existing plan since this is supplemental insurance. If you want broader protection for serious diagnoses, compare with critical illness insurance for lump-sum payments after a covered condition.
Who it fits
Designed for real-world budgets
High-deductible health plan users, Medicare Advantage members with inpatient copays, families who travel for specialty care, and small business owners who want affordable supplemental benefits often add a hospital cash plan. We help you pick a daily benefit that aligns with your health plan design and local hospital costs in your area.
FAQ – Hospital Indemnity Plans
Questions We Hear
Can benefits stack with my health plan?
Yes, this plan pays you directly and can be used alongside your primary coverage.
Are preexisting conditions excluded?
Some carriers have look-back periods; we will review specifics before you enroll.
How fast are claims paid?
Many carriers pay within days after receiving documentation.
Can I change my daily benefit later?
Changes may require a new application; we will confirm options with your carrier.
Extra Help For Hospital Bills
Cash benefits when you are admitted
Add a simple hospital cash plan to help with deductibles, copays, and travel costs. Get quick quotes and enroll in minutes.