Speak with a licensed insurance agent · TTY 711 Mon–Fri 10:00 AM – 5:00 PM
A hospital indemnity plan pays you a fixed cash amount per day of a covered hospital stay. It does not replace your health plan; it takes the sting out of the daily copays that a Medicare Advantage plan or a high-deductible health plan leaves you holding.
Most Medicare Advantage plans charge a daily copay for an inpatient hospital stay — commonly a few hundred dollars a day for the first several days. A short admission is manageable. A longer one, or two in the same year, stops being manageable quite quickly. Hospital indemnity is designed for exactly that exposure.
The mechanics are simple, which is the appeal. You choose a daily benefit and a number of covered days. If you are admitted for a covered stay, the plan pays you the cash directly — not the hospital. You decide what it covers: the copay, the drive back and forth, meals, time your family took off work, or the deductible on something else entirely.
Many plans offer riders worth understanding: observation stays, ambulance transport, skilled nursing facility days, outpatient surgery, or cancer and critical illness lump sums. Each adds premium, and not all of them are worth it for everyone. The right build depends on the copay structure of the medical plan sitting underneath it.
This is a supplement, and Sarah treats it as one. She looks at your actual Advantage plan's inpatient copay schedule and maximum out-of-pocket first, then sizes the indemnity benefit to the gap that is genuinely there — rather than selling a benefit amount that sounds impressive and prices accordingly.
Important: CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
A Medigap plan pays providers directly for the gaps in Original Medicare and follows Medicare's rules. A hospital indemnity plan pays you a fixed cash amount per covered day regardless of the bill, and you spend it however you like. They solve different problems, and hospital indemnity is most often paired with an Advantage plan rather than Medigap.
It pays you a fixed cash amount for a covered hospital stay, on a defined schedule — typically per day, sometimes with extra for admission or intensive care. The money goes to you, not to the hospital.
You can use it for the plan copays, or for the things insurance never touches: fuel, parking, meals, someone’s time off work.
No. It pays in addition to whatever your main coverage pays, and it is not comprehensive coverage on its own. It exists to absorb the daily copays a plan leaves you holding.
Anyone selling it as a replacement for health coverage is describing it wrongly.
People on a Medicare Advantage plan with meaningful inpatient daily copays, and people on high-deductible health plans where an admission means a large bill before coverage takes over.
If your plan already has low inpatient cost-sharing, the value is smaller — which is a reason to price it against your actual plan rather than in the abstract.
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
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A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
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