Hospital Indemnity

Hospital Indemnity insurance pays you a benefit when you are confined to a hospital, whether for planned or unplanned reasons. Hospital Indemnity can help you fill gaps in your medical coverage by providing cash to help cover deductibles, prescriptions, and other non-covered expenses that may arise from hospital stays and services. There are no pre-existing limitations with this plan, and pregnancy is also covered with no pre-existing condition provision. 

The Prudential hospital indemnity plan pays a confinement benefit plus daily benefits which are paid directly to you and can be used for any purpose. 

 

Premium Information

Important Documents

Health Screening Benefit Included
The voluntary hospital indemnity plan includes a wellness benefit for covered health screening tests including but not limited to: annual physical, biometric screening, chest x-ray, mammogram, hemoccult, colonoscopy, CEA blood tests, prostate-specific antigen testing, and pap smear.

$50 once per calendar year for covered employee, spouse, and child(ren).

Simply submit your claim form along with proof of your screening to receive your screening benefit. Submit your wellness claim online with documentation from your provider by visiting www.prudential.com/mybenefits or by calling 844-455-1002 to file your claim with a representative.

Schedule of Benefits Amount
Hospital Admission $1,000
ICU Admission $2,000
Hospital Confinement $200/day, up to 30 days
ICU Confinement $400/day, up to 30 days
Hospital Observation $100
Mental Illness | Nervous Disorder $100
Substance Abuse $100/day, up to 30 days

Important Notes

  • All employees are eligible for coverage, regardless of age.
  • Employee enrollment is necessary for dependents to be eligible.
  • Children are eligible dependents until age 26.
  • If you are married to a Thomas County Schools employee, only one of you can enroll dependents; duplicate coverage is not permitted.
  • Pregnancy is covered with no waiting period.
  • When you separate from the district, you have the option to apply for portability to maintain your Hospital Indemnity policy at the same rate as active employees. 

 

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

  • The payment you get isn't based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn't a substitute for comprehensive health insurance.
  • Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 health coverage options. (TTY: 1-855-889-4325)
  • To find out if you can get health insurance through your job, or a member's job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
  • If you have this policy through your job, or a family member's job, contact the employer.

Non-Medical Enrollment and Questions:
(866) 606-6865

Medical Enrollment and Questions:
(800) 610-1863

General Questions: help@tcjacketsbenefits.net

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