Hospital stays
Benefits may be payable for a covered admission and eligible days of inpatient confinement.
Hospital copay protection
Medicare Advantage + Hospital Indemnity
Hospital indemnity coverage can pay fixed cash benefits directly to you when a covered medical event occurs. You may use the money to help with Medicare Advantage copays or other expenses as you choose.
Free, no-obligation review with a licensed agent. Availability and benefits vary by state and policy.
Want to review your current hospital copays? Call (888) 282-7177
Cash benefits for covered services
Extra coverage for costs your Medicare Advantage plan may leave to you.
Depending on the policy selected, fixed benefits may be available for qualifying medical events such as these.
ER, ambulance and surgery
Some policy options include benefits for covered emergency care, transportation, or outpatient surgery.
Additional options
Available riders or options may include benefits for other covered services. Features vary by policy and state.
Your free coverage review
Start with the copays you already have.
A licensed Summit agent will review the hospital-related cost sharing in your current Medicare Advantage plan, then help you decide whether available hospital indemnity coverage deserves a closer look.
Call for Your Free Coverage Review- Find your inpatient hospital, ER, ambulance, and outpatient surgery copays.
- Discuss how those potential costs could affect your household budget.
- Compare available benefit schedules, premiums, eligibility, exclusions, and limitations.
Simple teaching example
See why matching benefits to your plan matters.
Your actual copays and any hospital indemnity benefits depend on the plans involved.
Hypothetical hospital copay$400 × 6 days$2,400 potential cost
Hypothetical fixed benefit$400 × 6 days$2,400 cash benefit
Illustration only—not a quote, guarantee, or representation of a specific Medicare Advantage plan or hospital indemnity policy. A qualifying covered event is required, and actual benefits may be less than, equal to, or greater than actual expenses.
Common questions
Hospital indemnity coverage, in plain language.
Is hospital indemnity insurance a replacement for Medicare?
No. It is supplemental insurance and does not replace Medicare, Medicare Advantage, or other major medical coverage.
How are benefits paid?
When a covered event qualifies under the policy, fixed cash benefits are generally paid directly to the policyholder according to the policy’s benefit schedule.
Can I use the money for nonmedical expenses?
Cash benefits are generally yours to use as you choose. Eligibility and payment remain subject to the policy’s definitions, exclusions, limitations, and other terms.
Does every policy cover all the services shown here?
No. Benefits, riders, eligibility, waiting periods, and availability vary by policy and state. Your review will focus on the actual options available to you.
What does the free review include?
We’ll look at relevant copays in your current Medicare Advantage plan and explain available hospital indemnity options. There is no obligation to apply.
A clear next step
Find out how much hospital cost exposure is built into your current plan.
Call Summit Life and Health for a free, no-obligation review and learn whether hospital indemnity coverage may fit your needs and budget.
Important: Hospital indemnity insurance is supplemental insurance. It is not health insurance, Medicare, Medicare Advantage, or a Medicare Supplement policy. It does not provide comprehensive medical coverage.
Benefits are payable only for covered events and are subject to the issued policy’s terms, definitions, benefit schedule, exclusions, limitations, waiting periods, and eligibility requirements. Product availability and features vary by state and carrier. This page is educational and is not a policy, quote, guarantee of benefits, or recommendation of a specific product.
Summit Life and Health is not affiliated with or endorsed by the U.S. government or the federal Medicare program.