At CaliforniaChoice, we recognize that people are different — with their own unique health insurance needs. That’s why our program offers access to more providers than any other health insurance program in California. With CaliforniaChoice, your employees have the freedom to choose what’s right for them from a variety of HMO, PPO, EPO, and other benefit options at a variety of price points.
CaliforniaChoice also offers supplemental insurance products to further enhance protection through the Member Marketplace. Supplemental insurance can help protect your employees from out-of-pocket expenses health insurance may not cover. Hospital Indemnity Insurance is one of the most popular supplemental insurance products in the country and is available to CaliforniaChoice members through MetLife.
Hospital Indemnity Insurance
Going to the hospital is scary and can be even more frightening when you consider the potential expense. According to Healthcare.gov, the average cost of a three-day hospital stay is around $3,000. Even with medical coverage, costs can add up quickly.
Hospital Indemnity Insurance from MetLife helps pay for expenses during hospitalizations. Payments are made directly to the member, not to doctors, hospitals, or other providers. Those with coverage can spend the money any way they wish. That includes rent or mortgage payments, car leases or loans, and other everyday expenses.
How Hospital Indemnity Insurance Works
Let’s say you’re injured in an accident when you’re driving to work. Your car is totaled. You are injured and are taken by ambulance to the emergency room. You spend two days in the Intensive Care Unit (ICU) and then are moved to a standard room for five more days. You’re then transferred to a rehab facility for a week. You are probably looking at some considerable costs — some of which are not covered by your medical plan. Fortunately, you will get help with your share of the costs thanks to your Hospital Indemnity Insurance plan. You can use those funds for care expenses or for other things like groceries.
Filing a claim is easy, too. You and your employees can easily file a claim online or by using the MetLife mobile app. Just answer a few questions and provide documentation to support the claim. Claims are typically processed by MetLife within 10 business days.
Talk with a Broker to Learn More
If you’re not already offering CaliforniaChoice to your employees, talk to your employee benefits broker to learn more. Your broker can also share details on supplemental insurance that pays in addition to your medical coverage. If you’re not currently working with a broker, you can search our directory for one in your area.
