High deductibles and copays for hospital stays can be tough to manage. The cost of hospital stays in the U.S. has doubled over the last 15 years to an average of $2,200 per day.* And this number does not even include the cost of major procedures, ambulance fees, and other charges that may apply.
That’s why we offer our customers the option to choose a Guardian® Hospital Indemnity Plan that can help bridge the gap between their plan members’ health coverage and their out-of-pocket costs when an illness or injury leads to needed treatment at a hospital. This supplemental health plan can be an attractive offering to help give your members an extra level of security and peace of mind.
Hospital Indemnity Advantages:
- pays indemnity benefits directly to the employee regardless of whether the charges are covered by the employee’s health benefits plan;
- always guaranteed issue;
- HSA-compatible plans available;
- highly flexible plan design lets customers select features that best fit with their employees’ current medical plans, other supplemental health plans, and budgets;
- portable benefits let members stay with the same plan design and rates, even if they leave their current employer.
*www.kff.org, Henry J. Kaiser Family Foundation, Hospital Adjusted Expenses per Inpatient Day, 1999-2014
The products listed are offered by The Guardian Life Insurance Company of America, a separate company. These are not AmeriHealth Administrators products. AmeriHealth Administrators is acting solely as an agent for Guardian. Guardian is solely responsible.
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004. GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission. For agent/broker use only. Not for use with the general public. Guardian Accident Insurance and Critical Illness policies are underwritten by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply.
Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage.
Policy #: GP-1-AC-IC-12, GC-CI-11 et al.
Pennsylvania and New Jersey regulations require appropriate licenses and carrier appointment prior to soliciting carrier products. Contact Guardian Customer Service at 800 – 627– 4200, Mon. – Fri., 7 a.m. – 8 p.m. EST to validate appointments or obtain appointment materials.