Hospital Care Insurance | Cigna

Hospital Care Insurance | Cigna  

Hospital Care Insurance

Helps you pay for out-of-pocket expenses that result from a covered hospital stay.

Here's what you need to know

Hospital Care Insurance provides you with a cash benefit you can use to help pay expenses when you have a covered hospital stay.


If you’ve ever been hospitalized, then you already know that your major medical insurance may not pay all of your medical expenses. Whatever remains is what you’ll be expected to pay on your own. Deductibles, copays, out-of-network charges, and other uncovered expenses can add up to big bills, even for a short hospital stay.


That’s where Hospital Care Insurance comes in handy. You can use the cash benefit you receive from this policy to help you cover not just bills related to your medical care, but any other expenses as well.


  • Pays a benefit for you to use however you want
  • The payment is made directly to you (unless otherwise assigned)
  • It can help pay out-of-pocket expenses related to medical care associated with covered accidents
  • In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication


You can collect this benefit regardless of whatever coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law. 

Since you have the freedom and flexibility to choose how you spend your benefit payment, you can use it to help pay for anything you want. Even use it to help pay regular living expenses such as grocery bills, mortgage payments, childcare, and transportation – all of which could become a concern if you lose income while you’re in the hospital.


Instead of turning to your savings or taking on credit card debt to pay those medical bills, you can use the cash you receive from this policy to help pay them. That means less time spent worrying about money and more time spent focused on getting well again.

These are the periods when you are eligible to enroll for Hospital Care Insurance:


  1. Within your new hire enrollment period
  2. If you have a qualifying life event (you get married, have a baby, etc.)
  3. During your employer’s annual enrollment


Check with your employer’s human resources/benefits team for specifics about these timeframes.


Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you may qualify for Hospital Care Insurance without answering health questions. You must have insurance in place before an accident happens in order to be eligible to collect the benefit when you need it. 

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Hospital Care Insurance Benefit Summary


How to File a Claim


Make the Most of Your Cigna Plan


How It Works

Number one Enroll now icon

You enroll in Hospital Care Insurance

Number two Hospital icon

After insurance is in effect, you have a hospital stay due to covered accident or sickness

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Receive a payment

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Use your money however you want

You’re admitted to a hospital for a covered accident or sickness.

That’s when Hospital Care Insurance comes in.

Because you have Hospital Care Insurance, you get a cash payment you can use for any expenses you want – medical or not.

Frequently Asked Questions

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  • Who is the provider?



    Cigna is a global health services company dedicated to improving the health, well-being, and peace of mind of those we serve. With more than 180 million customer and patient relationships in more than 30 countries and jurisdictions, we are able to harness actionable insights that address whole-person health and drive better health outcomes.

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  • When is a benefit paid under the plan?

    Once your insurance is effective, you’ll receive benefits for a covered hospitalization. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for coverage include:

    • You – if you are an active employee working 30+ hours per week
    • Your spouse – age 18 and older
    • Your child(ren) – under age 26

    You must be enrolled in the plan for members of your family to also enroll.  

  • How much does coverage cost?

    This is group insurance offered at group rates. Refer to the policy documents for complete details. 
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  • Do I have to answer health questions or take a medical exam?

    No, you don’t! If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for insurance without answering health questions.
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  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can continue your Hospital Indemnity Insurance without interruption (subject to applicable law and the policy’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved by Cigna.
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your hospital cash benefit. You don’t even need to use it on expenses you incur while you’re IN the hospital – you can also use it for expenses after you’re discharged. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses such as regular monthly bills if you’re out of work.

Are you ready To Enroll?

Act now to put Hospital Care Insurance in place to help offset expenses that may not be covered by other insurance.

Do You Need Help?

Our team is ready

Monday - Friday: 8am - 5pm CST

Phone Number: 1-855-647-3963