Open Enrollment Begins Soon
Hospital Indemnity Insurance
Many of the FEHB plans are considered to be good, however, they were never intended to pay 100% for your health care.
Deductibles, co-insurance and co-pays can lead to an unexpected financial burden many people do not plan.
If you were hospitalized today, would you have enough money to pay out of pocket $3,000, $4,000, $5,000 or more?
Life’s full of unexpected events. Planning ahead with supplemental insurance plans can help you feel more prepared to handle these costs.
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How it Works
FedAdvantage’s Hospital Indemnity Insurance helps with the expenses not covered by your health plan which can help prevent deductibles and out-of-pocket expenses from derailing your budget.
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Trouble Strikes
Suddenly something is wrong. You contact your physician and find yourself heading to the hospital.
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Take the Bite
out of the Bill
However this visit does come with a price. We pay cash benefits directly to you which can help ease the financial burden
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You're Admitted
Quickly and without warning, you’re going through tests as physicians scramble to get control of the situation. After your hospital stay, you’re released and feeling better.
Hospital Indemnity Insurance provides you help with the expenses not covered by your health plan.
Don't wait until it’s too late. Help protect you and your family now!
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Highlights and Brochure coming soon
Hospital Indemnity Insurance
Frequently Asked Questions
Below you’ll find answers to the questions we get asked the most when inquiring about Hospital Indemnity Insurance
Is Hospital Indemnity Insurance Available in all States?
Currently Hospital Indemnity Insurance is only available in the following states: AL, AZ, AR, CT, DE, DC, GA, HI, IL, IN, IA, KY, ME, MD, MA, NE, NJ, NY, ND, OH, OK, RI, TN, VA, WV, WI, WY.
We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
Do I have to take a physical exam?
No, you are not required to take a physical exam or provide medical evidence in order to enroll on our Hospital Indemnity Insurance program.
Is there a pre-existing condition?
No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new hospitalization that occurs to a covered member on or after the effective date will be covered.
When does the coverage become effective?
You become eligible for benefits under the plan on the date your first premium has been received.
How do I enroll?
Enrollment is simple you can enroll online.
How do I pay for the plan?
Premiums are currently paid through monthly ACH bank withdrawals.
When can I cancel the plan?
You may cancel the plan at any time. To cancel the plan, please send an email to CustomerService@FedAdvantage.com.
When does the coverage become effective?
You become eligible for benefits under the plan on the date your first premium has been received.
Didn't find your Question?
Not for residents of New Mexico
Not for use in New Mexico
The products issued by The Prudential Insurance Company of America may not be available in all states.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
This policy provides Hospital Indemnity Insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS
Hospital Indemnity Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential's Hospital Indemnity Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.
1074756-00001-00