Hospital Indemnity Insurance
Hospital Indemnity Insurance in Moab & Grand County
Hospital indemnity insurance is a supplemental policy that pays you a fixed cash benefit for covered hospital stays and certain procedures. It’s often paired with a Medicare Advantage plan to help offset the per-day hospital copays those plans can charge.
For Moab & Grand County, UT residents on an Advantage plan, hospital indemnity can turn an unpredictable hospital bill into a known, manageable amount.
How it works
You choose a benefit amount; if you’re hospitalized for a covered stay, the policy pays you directly — money you can use toward copays, travel, or anything else. It complements, rather than replaces, your Medicare coverage.
Who it suits
It’s most useful alongside a Medicare Advantage plan with daily hospital copays. We help you decide whether it’s worth it for your plan and budget.
This may be a good fit if…
- You’re on a Medicare Advantage plan with hospital copays
- You want predictable protection against a big hospital bill
- You want extra cash benefits during a hospital stay
Questions about hospital indemnity insurance
Is hospital indemnity insurance worth it?
It can be, especially alongside an Advantage plan that charges daily hospital copays. We help you weigh the premium against the protection for your situation.
Does it replace my Medicare plan?
No. It’s supplemental — it pays cash benefits on top of your existing Medicare coverage. We make sure it fits the rest of your plan.
Explore all plans & coverage or compare options on Medicare Plan Compare.
Moab Medicare is a licensed independent insurance agency. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Ready to talk Medicare?
Book a free, no-obligation review with a local Moab advisor — by phone or in person. No pressure, and no fee to you.