2025 Hospital Indemnity
New for 2025! Hospital Indemnity insurance is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services. 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. Pregnancy is 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. Please refer to the Prudential Summary of Benefits for complete details.
Wellness Benefit Included
The voluntary hospital indemnity plan includes a wellness benefit for covered health screening tests including but not limited to: annual physical exam, biometric screening, stress test on bicycle or treadmill, chest x-ray, mammogram, colonoscopy, CA 15-3 and CEA blood tests, prostate-specific antigen testing, pap smear, dental and vision exam.
Wellness Benefit Amount
- Employee, Spouse, and Children: $50 once per member per year
*The wellness benefit can be claimed on each plan in which you are enrolled. For example, if you are enrolled in both Hospital Indemnity
and Accident, you can claim the wellness benefits under both plans with the same annual preventive screening.
Schedule of Benefits
- Initial Confinement Benefit: $1,000/day up to 5 times per calendar year
- Daily Hospital Confinement Benefit: $150/day up to 30 days per confinement
- Intensive Care Unit Confinement Benefit: $300/day up to 30 days per confinement
How to File a Claim
- Step 1: Visit www.prudential.com/mybenefits and login or register to complete your form electronically.
- Step 2: Select “My claims” from the left side menu and click on the option to “File a claim/Report an absence.”
- Step 3: Provide authorization for Prudential to obtain necessary medical information from your doctor, saving you time.
Carrier Information: Prudential - www.prudential.com | (844) 455-1002
