Hospital Confinement Indemnity Policy
If you or a family member are confined in the hospital or need surgery, the out-of-pocket costs can add up fast. MedMutual Protect’s Supplemental Hospital Confinement Indemnity Policy provides you with an added layer of financial protection.
Flexible Surgery Benefits
Select either a $3,000 or $4,000 maximum surgery benefit that best meet your needs.
No Coordination of Benefits Needed
Pays in addition to any other health insurance coverage you may have.
No Deductible
Receive full benefit amounts listed in the policy.
Hospital Coverage
| Duration | Benefit Amount |
|---|---|
| First 10 days | $100/day |
| Next 21 days | $50/day |
Surgery Benefit
| Benefit | Benefit Amount |
|---|---|
| Option 1 | $150 - $3,000 |
| Option 2 | $200 - $4,000 |
| Anesthesiologist’s Benefit | 25% of amount paid under Surgeon’s Benefit |
| Day of Surgery Benefit | 125% of amount paid under Surgeon’s Benefit |
These benefits are payable for either inpatient or outpatient surgery. Hospitalization is not required.
Ambulance Benefit
| Benefit | Benefit Amount | Limitations |
|---|---|---|
| Ground Ambulance | $600 | 4 trips/policy year |
| Air Ambulance | $5,000 | 2 trips/policy year |
MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.