Even with good major medical insurance, medical expenses can take a big toll on your finances because of out-of-pocket expenses, like deductibles and co-pays, or non-medical costs like grocery delivery, child care, and more. The lump-sum cash payment made directly to you helps you maintain your lifestyle without using all your savings. So now, if you experience a covered medical expense from an injury or illness, you can focus on recovery, not the finances needed to do so.

Highlights:

• Accident and Sickness Hospital Indemnity insurance
• Coverage includes a daily hospital confinement benefit ranging from $250 - $1,000 a day
• Lump-sum cash payments for ER visits, physicians and ambulance rides, surgeries and diagnostic x-rays and labs
• Benefit levels range from $2,500 - $25,000 for confinement per year based upon your membership level^(a)

Benefit Details:

Below you will find a chart detailing the cash benefits you will receive using your Hospital Indemnity Insurance, based on your membership level. These cash benefits are the amount you will be paid per day for each accident or sickness occurrence. You will receive these cash payouts based on your membership level until you hit your annual max of occurrences per benefit, or your overall annual max benefit amount if applicable.

		Membership Level
Benefit(b)	Annual Max	$2,500	$5,000	$7,500	$10,000	$15,000	$25,000
Dr Visit	4(c)	$25	$30	$35	$40	$45	$50
Emergency Room	2	$100	$175	$250	$325	$400	$500
Hospital Confinement	7 days(d)	$250	$350	$500	$650	$800	$1,000
Surgery	4(e)	$250	$350	$500	$650	$800	$1,000
Ambulance	2(f)	$250	$350	$500	$650	$800	$1,000
Laboratory Tests	1 (g)	$100	$175	$250	$325	$400	$500
Diagnostic Procedure	1 (g)	$250	$350	$500	$650	$800	$1,000
Hospital Max Annual Benefit(a)	-	$2,500	$5,000	$7,500	$10,000	$15,000	$25,000

1. Hospital Max Annual Benefit represents the maximum amount which you can incur for Hospital Confinement benefits in a given year, and only applies to states insured by the Crum & Forster policy (there is no separate Annual Max for states insured by the Met Life policy).
2. For states insured by Crum & Forster, all Benefits are per day. For states insured by Met Life, Hospital Confinement benefits are per day. Emergency Room and Dr Visits benefits are per visit, Ambulance benefits are per trip, Surgery benefits are per procedure, and Diagnostic Procedures are per test.
3. Doctor visits include primary, specialist, and urgent care physicians. For States insured by Met Life, there is a per family maximum of 8 Doctor visits per year, in addition to the maximum of 4 per person.
4. Limit 7 days per confinement. Annual Max applies to states insured by the Crum & Forster policy (there is no separate Annual Max for states insured by the Met Life policy).
5. Surgery benefit includes 2 in-patient and 2 out-patient procedures for a total combined allowance of 4 covered surgeries.
6. For states insured by Met Life, Air Ambulance is covered at a higher benefit amount which can be found in the certificate of coverage.
7. For states insured by Met Life, Laboratory Tests are covered under the Diagnostic Procedure benefit, and there is a maximum of 2 per policy year which can be used for either imaging or laboratory tests.

How to use:

• To file a claim for Hospital Indemnity Insurance, call us at (855) SURE-MED (787-3633)
• Call us at (855) SURE-MED with any other questions you may have

Disclosures:

• This is a group insurance policy issued to American Better Health Organization, Inc., and benefits are provided to eligible members of the association. Availability of policy benefits may vary by membership level.
• Metropolitan Life Insurance Company (MetLife) and United States Fire Insurance Company (Crum & Forster), have issued group hospital indemnity policies to American Better Health Organization, Inc. (ABHO) , with the applicable covering carrier being dependent on the member’s state of residence. This material contains only a general description of the coverages. Specific requirements, coverages, exclusions, and limitations may vary by state.
• For a general list of limitations and exclusions, please click here for Crum & Forster sample Description of Benefits or click here for MetLife sample Description of Benefits. These documents are not state-specific.
• Payment of benefits may be subject to pre-existing conditions, lifetime and other limitations, and termination of benefits on or after certain ages. For a full list of limitations and exclusions specific to your state of residence, please reference the certificate of coverage in your membership portal.
• Crum & Forster covered states: AL, AZ, DC, DE, GA, IA, IN, KY, LA, MO, MS, ND, OH, OK, SC, TN, VA, WI, WY
• MetLife covered states: AR, CA, CT, FL, HI, IL, KS, MA, MI, MN, NC, NE, NJ, NV, PA, RI, SD, TX, WV