Hospital Indemnity Coverage

Peace of mind when life takes an unexpected turn.

You’re Not Just Facing a Health Crisis—You’re Facing Financial Pressure Too.

A hospital stay can bring more than just health concerns—it often brings unexpected bills that your main insurance doesn’t fully cover. The stress of recovery shouldn’t be compounded by the stress of how to pay for it all.

At Mere, We Help You Prepare for the Unexpected.

Hospital Indemnity Insurance provides cash benefits directly to you when you’re hospitalized. Whether your stay is planned or sudden, this extra layer of protection helps cover out-of-pocket costs like deductibles, copays, or even everyday expenses like groceries or child care while you’re recovering. We believe that when life hits hard, your insurance should hit back—with support that’s simple, timely, and built around your real needs.

How It Works:

Hospital Indemnity Insurance pays you a set amount per day (or per event) when you’re hospitalized. That means you can use that money however it helps most—whether it’s to cover a bill, pay your rent, or keep things running smoothly at home. It's often used as a smart add-on to Medicare Advantage or Marketplace health plans to fill in the coverage gaps and avoid major financial surprises.

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Frequently Asked Questions – Hospital Indemnity Insurance

What is Hospital Indemnity Insurance?

Hospital Indemnity Insurance is a type of supplemental insurance that pays you a fixed cash amount when you’re admitted to the hospital. This money is paid directly to you and can be used for anything—not just medical bills.

How is this different from my regular health insurance?

Health insurance pays your medical providers and often leaves you with out-of-pocket costs like deductibles, copays, or coinsurance. Hospital Indemnity Insurance pays you so you can cover those expenses—or use the funds however you see fit.

Is this only for Medicare beneficiaries?

No. While many people use it alongside a Medicare Advantage plan, Hospital Indemnity Insurance is also available for Marketplace plans and employer group insurance plans. It can be valuable for anyone with high out-of-pocket costs.

How much does it cost?

Most plans are very affordable, often under $1/day depending on your age and benefits selected. We'll walk you through the pricing during your consultation so there are no surprises.

Can I use this to cover prescriptions or rent while I recover?

Yes! The benefit is paid directly to you. There are no restrictions on how you use the money. That flexibility is what makes this coverage so helpful in a time of crisis.

What does it cover? Benefits can include:

Daily payments for hospital stays
Lump-sum payments for surgery, ambulance rides, or ER visits
Optional riders for skilled nursing, cancer treatments, or outpatient procedures Coverage varies by policy, and we’ll help you understand the fine print before you enroll.

How do I get started?

Simply contact our office to schedule a no-cost consultation. Our licensed team will review your current coverage and help determine if hospital indemnity is a good fit for your situation.

Does Mere work with specific insurance companies?

Yes—we work with a variety of trusted companies to help find the right fit for your needs and budget. Our recommendations are always tailored and unbiased.