Hospital Indemnity/GAP

  • Most insurance will only cover a portion of your overall medical expenses. The hospital indemnity plan is designed to help cover your out-of-pocket expenses due to an inpatient hospital stay and assist with deductibles and expenses that are not covered. Benefits are paid directly to you and can be used per your discretion. Coverage is available for spouses and eligible children.

    • Guardian helps protect you and your family from unexpected expenses
    • Evidence of Insurability is not required
    • Plan is portable
    • Children covered from birth to age 26
    • Both plans cover sickness and injury on and off job
    • Plan 1 offers additional coverage for ER, Urgent care facility treatment, Diagnostic Tests and outpatient surgical category 1 and 2
    • $2000 hospital admission benefit

    To file a claim Login/Register to . You may also file a claim via fax or mail, fill out the Claim Form  and send with all necessary supporting documentation. Group # 551891.

    Hospital Indemnity Rates

    Coverage Tier

    HSA Compliant (Advantage)

    Non-HSA Compliant (Premier)

    Employee Only  $20.16 $40.43
    Employee+Spouse $36.19 $73.77
    Employee+Child(ren) $31.10 $64.00
    Employee+Family $47.13 $97.34

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