Independence Hospital Insurance

There are three choices of the fixed lump sum payment per instance of inpatient or outpatient surgical service once a calendar year with other benefits as follows:

• Hospital 30: Has benefit of $3,000 lump sum for each inpatient hospitalization; $3,000 per calendar year for outpatient patience surgical services, and plus $100 per day for hospital stay up to 31 days per calendar year, with annual maximum of $10,000.
• Hospital 45: Has benefit of $4,500 lump sum for each inpatient hospitalization; $4,500 per calendar year for outpatient patience surgical services, plus $100 per day for hospital stay up to 31 days per calendar year, with annual maximum of $15,000.
• Hospital 60: Has benefit of $6,000 lump sum for each inpatient hospitalization; $6,000 per calendar year for outpatient patience surgical services, plus $100 per day for hospital stay up to 31 days per calendar year, with annual maximum of $15,000.

For details, see this brochure.

Independence Hospital Insurance Plus

There are three choices of the fixed lump sum payment per instance of inpatient or outpatient surgical service once a calendar year with other benefits as follows:

• Hospital Plus 20: Has lump sum benefit of $1,000 per instance of hospitalization, $2,000 per calendar year for outpatient patience surgical services, $2,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
• Hospital Plus 30: Has lump sum benefit of $1,500 per instance of hospitalization, $3,000 per calendar year for outpatient patience surgical services, $3,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
• Hospital Plus 40: Has lump sum benefit of $2,000 per instance of hospitalization, $4,000 per calendar year for outpatient patience surgical services, $4,000 per day of inpatient hospital stay up to 31 days, one visit to Urgent Care benefit of $250 per calendar year, benefit of three visit of $100 a visit, and a number of additional benefits, with no annual maximum. 
• Additional Benefits : These are additional benefits to all three choices of plans above.

 For details, see this brochure

Effect of Hospital Insurance on Out-of-Pocket Expenses

The main insurance plan will have Maximum Out-of-Pocket amount to protect financial commitment in the event of inpatient hospitalization and treatment. This is first layer of financial protection. However, depending on the plan you have, it can be substantial, and for most people, it may mean indebtedness to bear with.

This effect of hospital insurance  can best be illustrated  here as an example showing effect of adding a supplemental medical plan of hospital insurance to the basic ACA or Short Term Medical plan that pays $1,000 per day of hospitalization.   

Eligibility 

Applicant must be between 18 years to 64.5 years of age, and permanent or legal resident of the United States. Eligible dependents includes you lawful spouse/domestic partner under age of 64.5, and children up to age 26 are eligible.  It is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

Healthcare Providers

These plans come with nationwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses. It is significant to use providers in the networks to get discounted services and processing of your medical claims the Insurance. Reach out to following network of providers to search for providers. Since participation in networks in dynamic, do call to check and verify for appointments.

• First Health and Confinity PPO Network
• MultiPlan Networks
• Doctors Network