Hospital Indemnity Protection Plan Example
How it works: Matt’s example*
Example: Matt suffers head and shoulder injuries in an accident and is taken by ambulance to the hospital emergency room, which is some distance from his home. His wife joins him at the hospital.
|Day 1||Admitted to ICU for head trauma||Hospital and ICU admission|
|Days 2 & 3
||Confined to ICU||Hospital and ICU confinement|
|Days 4 & 5||Moved to hospital room, has shoulder surgery, then released||Hospital confinement benefit|
Matt's hospital indemnity coverage provides the following benefits:
|Base Plan||Base + Enhanced Plan|
|ICU confinement (Days 2 & 3)
|Hospital admission (Day 1)
|Hospital confinement (Days 2-5)||$600||$600|
|ICU admission (Day 1)||$1,000|
|Transportation (spouse) (Day 1)||$200|
|Total benefit paid to Matt||$1,900||$3,550|
Bridge2Health: Integrated Hospital Indemnity
Our Bridge2Health Integrated Hospital Indemnity program is automatically available to employees with UnitedHealthcare medical and hospital indemnity coverage. UnitedHealthcare medical case managers contact members to help them access resources and information when they need it most.
- On-site staff nurses and physician consult with claims representatives
- Claims management staff has an average of 15 years of group claims experience
*Illustrative only. Benefit amounts may vary by state. Example reflects Plan Option B. Amounts may differ depending on the plan option(s) chosen.