MetLife Hospital Indemnity Insurance
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When you have an unexpected medical need, costs can add up quickly. Most Americans are financially unprepared for a medical emergency. Hospital indemnity insurance through MetLife helps you cover your out-of-pocket expenses (like deductibles and coinsurance) when you are admitted to the hospital.
Coverage Details
Two individual hospital indemnity policies are available for you to purchase: the Low Option and the High Option. The High Option offers a higher benefit in exchange for a higher per-paycheck cost.
Coverage Level | Amount You Receive | |
Low Option | High Option | |
Hospital Admission (per confinement) |
$600 |
$1,200 |
Hospital Confinement (per day) |
$150 |
$250 |
Hospital Intensive Care (per day) |
$150 |
$250 |
You may purchase coverage for yourself and your eligible dependents through payroll deductions. Your rates will depend on which option you select and who you cover. This is not a Texas Health sponsored or maintained plan. View the rates for this benefit here.
Who Is Eligible
All benefits-eligible employees are eligible to enroll. Employees must be actively at work on the date of application and the effective date of coverage. A spouse must not be hospitalized or unable to perform his or her normal duties or activities on that date of application and the effective date of coverage.
How It Works
- Hospital Indemnity: How it Works
- Stats and Facts
- How to file a claim
- Hospital Indemnity FAQ
- Claim Process Outline
- How to access your Accident and Health Certificate of Insurance
Pre-existing Condition Limitation
(Only Applicable to Sickness – Hospital Benefits)
MetLife will not pay any benefits under the Sickness – Hospital Benefits section of the Certificate for Sickness caused by or resulting from you or your dependent’s Pre-existing Condition if the Sickness occurs during the first 12 months that you have coverage. A Pre-existing Condition means a Sickness for which (in the 12 months before a you or your dependent becomes insured through MetLife) medical advice, treatment or care, was sought or was recommended by, prescribed by, or received from a physician. Please see your policy for more information.
More Information
- Customer Service Telephone Number: 1-877-MyTHRLink (1-877-698-4754) prompt 6, press 1
- MyBenefits.MetLife.com
- Outline of Coverage
- Regulatory Disclosures, Disclaimers and Privacy Notice