Hospital Indemnity Plan

Hospital Indemnity Plan  


If you become injured or ill, or are hospitalized to deliver a baby, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill, including coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.


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The Aetna Hospital Indemnity plan pays cash benefits for covered hospital stays for an injury, illness, surgery, or to deliver a baby. It pays lumps sum benefits for an inpatient hospital admission and daily stays. It also pays benefits for inpatient substance abuse, mental illness and rehabilitative stays. The money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Plus, this insurance offers these advantages:

  • You are guaranteed to be accepted into the plan with no medical questions or exam.  
  • Pre-existing conditions are not excluded. (Please note that the hospitalization must occur after the coverage effective date for benefits to be paid.)  
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or lost income from missing work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)

Add the hospital indemnity plan to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.
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Hospital Indemnity - Plan Overview

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Hospital Indemnity Plan Overview
Rate Chart


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • How do I file a claim?

    Go to and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form.


    If you require language assistance, please call Member Services at 1-800-607-3366 and an Aetna representative will connect you with an interpreter. If you’re deaf or hard of hearing, use your TTY and dial 711 for the Telecommunications Relay Service. Once connected, please enter or provide the Aetna telephone number you’re calling.


    Si usted necesita asistencia lingüística, por favor llame al Servicios al Miembro a 1-800-607-3366, y un representante de Aetna le conectará con un intérprete. Si usted es sordo o tiene problemas de audición, use su TTY y marcar 711 para el Servicio de Retransmisión de Telecomunicaciones (TRS). Una vez conectado, por favor entrar o proporcionar el número de teléfono de Aetna que está llamando.

  • How can this help me?

    The plan pays cash benefits directly to you. This means that you will have added financial resources to help with medical costs or ongoing living expenses. The plan pays cash benefits to help you cover out-of-pocket medical and other expenses caused by a hospital stay.
  • When can I enroll?

    All eligible employees can enroll during annual enrollment. New hires can enroll during their new hire enrollment period. You will not be able to enroll outside of your new hire enrollment period or annual enrollment unless you experience a qualifying life event, like marriage, birth of a child, etc.
  • Do I need to be enrolled in an SAP medical plan to get coverage?

    No, this plan is meant to complement the medical benefits and other insurance.  
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can pay Aetna directly. Portability forms are available at or call Member Services at 1-800-607-3366 for assistance.
  • Who is eligible?

    Employees who work a minimum of 24 hours per week can sign up for coverage for themself and eligible dependents during the new hire enrollment eligibility period, during the annual enrollment period or a qualifying life event. No medical questions are asked. The plan is designed to complement, not replace, major medical insurance.
  • Will I have to take a medical exam to get this coverage?

    No! This coverage is guaranteed-issue (which means you qualify for coverage without having to submit to a medical exam or answer health questions).
  • When can I cancel coverage?

    You can cancel coverage during annual enrollment or with a qualifying life event.

Mercer's Role & Compensation

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