What Hospital Indemnity is
Hospital Indemnity is supplemental insurance that pays you a fixed cash benefit when you're admitted to the hospital or use certain covered services. The cash goes to you — to use however you need.
Meet your guide
HI Shield
I explain how Hospital Indemnity helps cover out-of-pocket hospital costs.
What HI Shield can teach you
Why people pair it with Medicare
Even good Medicare plans can leave gaps: daily hospital copays, ambulance rides, outpatient surgery. Hospital Indemnity helps fill those gaps so an unexpected stay doesn't derail your budget.
What to look for in a plan
Daily benefit amount, number of days covered, waiting periods, and whether outpatient or emergency benefits are included. We compare plans side-by-side so you see real value, not just brochure language.
Frequently asked questions
Is Hospital Indemnity the same as Medicare Supplement?
No. Medigap helps with Medicare-approved costs. Hospital Indemnity is a separate policy that pays you cash for covered hospital events.
Do I have to use the cash for medical bills?
No. The benefit is paid to you and you can use it for rent, groceries, travel for a caregiver — anything you need.
Can I have it with Medicare Advantage?
Yes. Many people pair Hospital Indemnity with Advantage plans because Advantage plans typically have daily hospital copays.
Still have questions about Hospital Indemnity?
Talk with a real person — no pressure, just clear answers.