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Supplemental Hospital Indemnity Insurance

Ease the pain of hospitalization

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Inpatient hospital stays can leave you and your family with expensive medical bills, even if you are already covered by a health insurance plan. Supplemental Hospital Indemnity Insurance is designed to cover specific costs, such as out-of-pocket expenses, and can address gaps that may exist in your primary health coverage.

Simply put, unexpected injuries and illnesses can happen to any person at any time. While being hospitalized is stressful enough, incurring out-of-pocket expenses can increase this stress. With this type of add-on insurance, you can receive extra money to help pay for unexpected costs during your hospital stay, relieving stress and allowing you to focus solely on your recovery.

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Who Can Benefit from Supplemental Hospital Indemnity Insurance?

No matter your age, this type of insurance plan has a multitude of benefits.

For example, if you are a younger physician or resident who is newly married and planning to start a family, consider securing a policy as soon as possible. Starting a family means a hospital stay is just around the corner. Here is how a Supplemental Hospital Indemnity Insurance plan can help:

$9,700

Average expense for a natural birth

$12,500

Average expense for a cesarean birth

According to the Kaiser Family Foundation, the average expense for a natural birth delivery is $9,700. Cesarean sections are approximately $12,500. Depending on your health insurance provider, the probability of all of your hospital and physician costs being covered is unlikely. Having extra money to use as you wish can help relieve the financial expense associated with having a child, leaving you to focus on your family.

For older physicians, extra protection when it comes to your health and financial status is always a good idea. The truth is, many people see a deterioration in their health as they age. Hospital stays required for injury, surgery, cancer treatment or a severe illness can put a dent in your savings and possibly, retirement funds. Protect yourself with extra coverage that can alleviate the costs associated with hospital stays.

From Our Trusted Carrier

Payout & Cost

Texas physicians purchasing Supplemental Hospital Indemnity Insurance through TMA Insurance Trust have the option to cover themselves or their entire family by paying a quarterly fee. In addition, if your spouse is covered and has a child, your newborn will be covered for the first 30 days after he or she is born.

A typical Supplemental Hospital Indemnity Insurance plan will payout between $100 and $250 per night you or your family member spend in the hospital. You can choose how you spend this money, as the check is sent directly to you and is not related to your regular health insurance plan. In addition, nightly rate benefits double for special circumstances, such as admittance to the intensive care unit or being treated for cancer.

Physicians or residents ages 40 to 49 who purchase family coverage, seeking $100 payout per night hospital stay, will pay an average of $47 per quarter.

A 30-year-old physician or resident who purchases family coverage, seeking $100 payout per night hospital stay, will pay an average of $44 per quarter.

How We Can Help You

Since 2003, TMA Insurance Trust has worked with Blue Cross Blue Shield of Texas, the largest health insurer in Texas. Supplemental Hospital Indemnity Insurance plans are available through this carrier exclusively to TMA member physicians and their dependents. These plans offer unique benefits to our members, including:

  • Payouts of up to $250 per day
  • Up to 365 days of coverage, starting the first day you become hospitalized
  • Rate stabilization process, ensuring your premiums remain steady
  • Portability – as long as you remain a TMA member, you can take this coverage with you even if you switch jobs or move out of state
  • Claims and underwriting disputes made by a board of fellow Texas physicians

Supplemental Hospital Indemnity Insurance offers financial protection when you or your loved ones are faced with an unexpected hospital stay. Speak with a skilled TMA Insurance Trust advisor today and let us help you choose a plan that is ideal for your situation and needs.

A Few Words from Our Customers

“Working with [your advisor] has been the most positive experience we have ever had with an insurance agent.”

Dr. Trent Stephenson

“You’ve been great through this whole process and we really appreciate it.”

Dr. Kevin Cook

“I want you to know I'll never forget your promptness and efficiency, but even more, your kindness.”

Judy Werner

“I think you went above and beyond usual customer service. You were very compassionate and understanding. This has been a very stressful time for my family … know that you make a difference in people’s lives..”

Martha Clower

Get complete coverage to go with your supplemental hospital indemnity insurance.

TMA Insurance Trust provides comprehensive coverage for all of your personal insurance needs as a Texas physician. Consider exploring these related product types to ensure your coverage portfolio is complete.