Eligibility, exclusions and original policy terms apply. Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms. The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid. The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.
Coverage overview
Hospital benefits in the High Benefit Plan
High Benefit Plan, with its own rates and hospitalization benefits. $1,000 first-day confinement benefit, limited to one occurrence per year; $200 daily hospital benefit, up to 10 days; Four coverage tiers
Eligibility, exclusions and original policy terms apply. Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms. The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid. The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.
Limited benefits, not major medical or a Medicare supplement. Policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Coverage details
Hospital indemnity: high plan
High Benefit Plan, with its own rates and hospitalization benefits. $1,000 first-day confinement benefit, limited to one occurrence per year; $200 daily hospital benefit, up to 10 days; Four coverage tiers
Eligibility, exclusions and original policy terms apply. Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms. The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid. The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.
Limited benefits, not major medical or a Medicare supplement. Policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Coverage questions
Which hospital plans can I review?
The materials include the Low Premium Plan and the High Benefit Plan.
Each has its own brochure and biweekly rate sheet. Match the plan name before comparing benefits and premiums.
Is the first-day benefit the same in both plans?
Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms.
The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid.
The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.
How do the daily benefits differ?
The Low Premium Plan lists a $100 daily hospital benefit, up to 10 days. The High Benefit Plan lists a $200 daily hospital benefit, up to 10 days, for covered hospital confinement under the policy terms.
The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid.
How do I compare the premiums?
Match the plan and coverage tier before reading the premium. The premiums are biweekly.
Review each plan's brochure with its matching rate sheet so the premium and benefits belong to the same plan.
Which coverage tiers are listed?
The rate sheets list four coverage tiers: employee, employee with spouse, employee with children and family.
Read the brochure and policy for eligible-dependent definitions, benefit limits and coverage conditions.
Does this replace major medical coverage?
Hospital indemnity is limited-benefit supplemental coverage. It is not major medical insurance or a Medicare supplement.
Eligibility, covered-confinement definitions, exclusions, benefit limits and policy terms apply.
What is the next step?
Review the plan brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.
Reading this FAQ or a rate sheet does not submit an application.
Eligibility, state availability, covered-confinement definitions, exclusions, benefit limits and policy terms apply. Review the brochure and policy for the conditions of each benefit.
For claim questions, Premier Protection recommends the Whitten & Associates claims center. You may also contact the insuring company directly.
Insuring company: American Heritage Life Insurance Company. Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.