Hospital indemnity

Mutual of Omaha Hospital Protection Plan

A hospital stay can bring deductibles, copays, and everyday bills that keep coming while you recover. Mutual of Omaha's Hospital Protection Plan pays cash benefits directly to you when you are hospitalized for a covered illness or injury. You decide how to use the money, and benefits are paid in addition to Medicare or any other coverage you have.

• Daily hospital benefit from $100 to $1,000 per day, or a lump-sum hospital benefit from $100 to $3,000
• Choose your coverage days: 3 to 10, 15, 20, or 31 days for each period of confinement
• Observation stays are covered, up to five days per calendar year
• Built-in benefits for mental health stays and pet boarding while you are in the hospital
• Guaranteed renewable as long as premiums are paid on time
• Issue ages 18 to 85, with a guaranteed issue period for ages 64 to 74 with no health questions
• Rates do not change for tobacco use, and a household discount may be available

Hospital indemnity insurance is not health insurance and does not replace Medicare or major medical coverage. Policies are underwritten by Mutual of Omaha Insurance Company, Omaha, NE. A six-month pre-existing condition limitation applies. Exclusions, limitations, and underwriting apply; the guaranteed issue period is subject to eligibility. Benefits, riders, and availability vary by state. Optional riders are an added cost. Michigan Benefit Services is an independent agency and is not Mutual of Omaha.