|
in-depth overview |
qualified expenses |
hospital indemnity rider |
guidelines
why high deductible is not a big deal |
HSA fact sheet |
free quote
HSA
Hospital Indemnity Rider
Worry-free
rider protects you and provides peace of mind.
You’re building your HSA savings account month by month. But shortly
after enrolling, you or another covered member is sick in the hospital for
4 or 5 days. You are now faced with a high deductible. The HSA savings
has not built up the necessary savings to cover the high deductible even
though you have been depositing monthly. NO
NEED TO WORRY YOU’RE COVERED !!!
Should you or another
covered person be hospitalized for more than 2 days during your first 15
months of coverage, the insurance company will make an indemnity payment
to you of a fixed amount for the third day of hospitalization. The amount
of the fixed payment will depend on your deductible and the month you are
hospitalized. For example, if you have a deductible of $5150.00 and are
hospitalized (for the requisite time) during your sixth month of coverage,
the insurance company will pay you $3,218.75
The schedules for the
applicable deductibles follow:
|
$5,150 Deductible |
$3,450 Deductible |
$2,000 Deductible |
$2,600 Deductible |
$1,700
Deductible |
$1,000 Deductible |
|
Mo. |
Amount |
Mo. |
Amount |
Mo. |
Amount |
Mo. |
Amount |
Mo. |
Amount |
Mo. |
Amount |
| 1 |
$4,828.13 |
1 |
$3,234.38 |
1 |
$1,875.00 |
1 |
$2,459.17 |
1 |
$1,607.92 |
1 |
$945.83 |
| 2 |
$4,506.25 |
2 |
$3,018.75 |
2 |
$1,750.00 |
2 |
$2,318.33 |
2 |
$1,515.83 |
2 |
$891.67 |
| 3 |
$4,184.38 |
3 |
$2,803.13 |
3 |
$1,625.00 |
3 |
$2,177.50 |
3 |
$1,423.75 |
3 |
$837.50 |
| 4 |
$3,862.50 |
4 |
$2,587.50 |
4 |
$1,500.00 |
4 |
$2,036.67 |
4 |
$1,331.67 |
4 |
$783.33 |
| 5 |
$3,540.63 |
5 |
$2,371.88 |
5 |
$1,375.00 |
5 |
$1,895.83 |
5 |
$1,239.58 |
5 |
$729.17 |
| 6 |
$3,218.75 |
6 |
$2,156.25 |
6 |
$1,250.00 |
6 |
$1,755.00 |
6 |
$1,147.50 |
6 |
$675.00 |
| 7 |
$2,896.88 |
7 |
$1,940.63 |
7 |
$1,125.00 |
7 |
$1,614.17 |
7 |
$1,055.42 |
7 |
$620.83 |
| 8 |
$2,575.00 |
8 |
$1,725.00 |
8 |
$1,000.00 |
8 |
$1,473.33 |
8 |
$963.33 |
8 |
$566.67 |
| 9 |
$2,253.13 |
9 |
$1,509.38 |
9 |
$875.00 |
9 |
$1,332.50 |
9 |
$871.25 |
9 |
$512.50 |
| 10 |
$1,931.25 |
10 |
$1,293.75 |
10 |
$750.00 |
10 |
$1,191.67 |
10 |
$779.17 |
10 |
$458.33 |
| 11 |
$1,609.38 |
11 |
$1,078.13 |
11 |
$625.00 |
11 |
$1,050.83 |
11 |
$687.08 |
11 |
$404.17 |
| 12 |
$1,287.50 |
12 |
$862.50 |
12 |
$500.00 |
12 |
$910.00 |
12 |
$595.00 |
12 |
$350.00 |
| 13 |
$965.63 |
13 |
$646.88 |
13 |
$375.00 |
13 |
$769.17 |
13 |
$502.92 |
13 |
$295.83 |
| 14 |
$643.75 |
14 |
$431.25 |
14 |
$250.00 |
14 |
$628.33 |
14 |
$410.83 |
14 |
$241.67 |
| 15 |
$321.88 |
15 |
$215.63 |
15 |
$125.00 |
15 |
$487.50 |
15 |
$318.75 |
15 |
$187.50 |
| 16 |
$0.00 |
16 |
$0.00 |
16 |
$0.00 |
16 |
$346.67 |
16 |
$226.67 |
16 |
$133.33 |
| |
|
|
|
|
|
17 |
$205.83 |
17 |
$134.58 |
17 |
$79.17 |
| |
|
|
|
|
|
18 |
$65.00 |
18 |
$42.50 |
18 |
$25.00 |
| |
|
|
|
|
|
19 |
$0.00 |
19 |
$0.00 |
19 |
$0.00 |
in-depth overview |
qualified expenses |
hospital indemnity rider |
guidelines
why high deductible is not a big deal |
HSA fact sheet |
free quote
|
