Hospital Insurance
Hospital Insurance helps you cope with the financial impact of a hospitalization, separate from your medical coverage. The benefit is paid directly to you — not a hospital or provider — so you can decide which expenses to cover.
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.
Benefit Details
If you or a covered family member is admitted to the hospital for a covered accident, illness or childbirth, Hospital Insurance through Unum pays a benefit to help cover out-of-pocket expenses.
- The benefit is paid directly to you, not to the hospital or provider.
- Hospital Insurance is compatible with all Personify Health medical plans and Health Savings Accounts (HSAs).
- You may take the coverage with you if you leave the Company or retire.
- Each covered family member can earn $50 for completing certain Be Well preventive screenings.
What’s Covered
| Hospital Admission | Payable for a maximum of 1 day per year | $1,000 |
| ICU Admission | Payable for a maximum of 1 day per year | $1,000 |
| Hospital Daily Stay | Payable per day up to 365 days | $100 |
| ICU Daily Stay | Payable per day up to 30 days | $200 |
| Short Stay | Payable for a maximum of 1 day per year | $250 |
| Mental/Nervous or Substance Abuse Treatment | Payable for a maximum of 1 day per insured per calendar year | $250 |
Per-Paycheck Costs
You pay for this benefit through convenient payroll deductions.
| Employee Only | $7.13 | |
| Employee + Spouse | $13.92 | |
| Employee + Child(ren) | $10.64 | |
| Family | $17.43 | |
Resources
UNUM Hospital / Critical Illness / Accident
1-800-635-5597