HOSPITAL INDEMNITY INSURANCE
Financial support following a covered hospitalization
There are the hospitalizations that are expected—and those that aren’t.
Either way, even with core medical coverage, expenses and financial stresses can add up quickly.
Wellfleet Workplace’s Hospital Indemnity Insurance pays you benefits for hospitalizations associated with covered accidents or sicknesses.
From hospital admission to daily confinement, specialty care and related benefits and riders, our product provides employees and their families with financial support to help offset out-of-pocket costs associated with a hospitalization from a covered accident or sickness.
Coverage for the expected and unexpected
Whether planned or not, the focus of a hospitalization should be on care and healing versus worries over how to cover mounting medical costs. Hospital Indemnity Insurance from Wellfleet Workplace provides an added layer of financial protection by paying a total benefit for covered hospitalizations and related benefits, such as for daily confinement in the ICU or the birth of a child.
Fill gaps in your medical coverage
Some may wonder about what the difference is between health insurance and Hospital Indemnity Insurance, and why they might need it.
Health insurance covers certain medical expenses and pays your provider directly but may leave you responsible for some out-of-pocket costs. The amount paid depends on your coverage, the type of care and whether you’ve hit your out-of-pocket maximum.
Hospital Indemnity Insurance is supplemental coverage that complements your health insurance and can help cover your out-of-pocket expenses. The benefit amount you receive is based on the type of hospitalization, is paid directly to you and can be used however you like.
IMPORTANT: This is a fixed indemnity policy, NOT comprehensive health coverage insurance found in ACA-compliant plans
- 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 major medical health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance ACA-compliant health benefit plans.
Looking for comprehensive health insurance ACA-compliant health benefit plans?
- Visit Connectforhealthco.com or call 1-855-752-6749 (TTY: 1-855-695-5935) to find health coverage options.
- To find out if you can get health insurance through your employer, or a family member’s employer, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your agent or broker.
- For complaints about the policy, contact Colorado Division of Insurance, Customer Services Team, 303-894-7490, 800- 930-3745.
- To find out if you can get health insurance through your employer, or a family member’s employer, contact the employer.
FORM REVISED 6-30-2025
Get in touch
Coverage through Wellfleet Workplace is flexible, affordable and easy to use. Whether you’re an employee exploring coverage available through your workplace, an employer in search of ways to enhance your current benefits offerings, or an advisor interested in selling innovative and high-quality workplace benefits solutions, we want to hear from you.
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Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Wellfleet Group, LLC. Product availability is based upon business and/or regulatory approval and may differ among companies.