If you're on the VitalCare+ plan and you're hospitalized, your Hospital Indemnity benefit pays cash directly to you — not the hospital. Here's what it pays and how to claim it.
What does Hospital Indemnity pay?
Benefit | Amount | Limit |
Hospital admission | $2,500 | 3 per year |
Hospital confinement | $200 per day | 30 days per year |
Inpatient surgery | $1,000 | 1 per year |
Outpatient surgery (hospital/physician) | $1,000 / $300 | 1 per year |
Emergency room | $100 | 2 per year |
Emergency transportation (ground/air) | $200 / $1,000 | 1 per year |
The full Schedule of Benefits is available in your plan documents.
How does the cash benefit work?
Payments come to you directly — even if you didn't incur out-of-pocket expenses. There are no restrictions on how you use the money: medical bills, rent, groceries, childcare while you recover, whatever you need most.
How to file a claim
If you or a covered dependent has been hospitalized, had surgery, or visited the ER, email [email protected] with:
Your name and the name of the person who received care (if a dependent)
The date(s) of the hospital stay, surgery, or ER visit
Any hospital paperwork you have, like a discharge summary or admission record
We'll walk you through the claim from there and make sure it gets filed correctly — you focus on recovering.
Questions about your Hospital Indemnity benefit?
Email: [email protected]
Call: (866) 486-8242
Hours: Mon–Fri, 8am–9pm EST
Chat: TouchCare Portal