Hospital Indemnity

Hospital Indemnity

Overview

Motor vehicle and other unexpected injury-related accidents cause 37 million* trips to the emergency room each year—which could cost you more than $2,000.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?

 

Group Accident insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Benefits include:

 

  • Covers more than 150 types of injuries related to accidents.
  • Affordable group rates priced to fit most budgets
  • Spouse/domestic partner and children can be protected too.
  • Guaranteed-issue with no medical exam if you enroll during the Enrollment Period.

 

Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own.

 

 

*National Hospital Ambulatory Medical Care Survey: 2013 Emergency Department Summary Tables (based on 130 million total annual ER visits). American Hospital Association Resource Center, April 2012.

 

** The Washington Post, “With or without insurance, visits to emergency rooms can be very expensive,” published 8/22/16, viewed at https://www.washingtonpost.com/national/health-science/with-or-without-insurance-visits-to-emergency-rooms-can-be-very-expensive/2016/08/19/2fe6b18c-17b1-11e6-9e16-2e5a123aac62_story.html

Enrollment

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

 

To create an account:

 

Enter the account info (SSN, Zip Code and Birth Date are required)

 

Create your account by choosing your User ID and Password

 

Choose security questions – Allstate Benefits will ask you two questions for User ID retrieval and password reset

 

Enroll Now
Contact Us

 Phone
1-855-429-8930
 Hours
 M-F 8a-5p CT
 Email
employerbenefitsinquiries.service@mercer.com



How It Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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  • Who is the provider?

    Allstate Benefits

    A leading provider of employee benefits.

     

    Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

  • How can this help me?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


    Benefits of the plan include:

    • First Day Hospital Confinement
    • Daily Hospital Confinement
    • Hospital Intensive Care

     

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries

  • Who is eligible?
    You and your eligible family members must enroll during your enrollment period, and you must be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

  • When can I enroll?
    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

  • How much will this coverage cost?
    Your cost is based on several factors including your age, any special features you select, and the amount of coverage you want. Also, you may be eligible for a premium discount if you do not use tobacco. To get a free, no-obligation online quote, click the "Enroll Now" hyperlink.

  • What if my employment status changes?
    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.
Allstate Benefits Disclaimer

 

The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued. 

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 

Our Role & Compensation

Details of the Mercer disclosure of the compensation.

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