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

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

Health Screening Benefit

The voluntary Accident plan includes a wellness benefit for covered preventive screenings, including but not limited to:

  • Chest X-Ray
  • Mammogram
  • Hemoccult
  • Colonoscopy
  • CA 125 and CEA blood tests
  • Prostate specific antigen testing
  • Annual physical exam, biometric screening, or stress test
  • Routine dental or vision exam
  • Electrocardiogram (EKG) or ultrasound screening for abdominal aneurysms

 

Wellness Benefit Amount

  • Employee: $50
  • Spouse: $50
  • Child(ren): $50

Simply submit your wellness claim to receive your screening benefit. Submit your wellness claim online by visiting www.prudential.com/mybenefits (web access code 72405) or by calling 844-455-1002 to file your claim with a representative.

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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