Hospital Indemnity Plan
Hospital Indemnity Plan
Visit the 2025 Open Enrollment page for information on benefit changes effective 1/1/2025.
Hospital Indemnity Insurance (HI), administered by Aetna, pays benefits when you have a planned or unplanned hospital stay for an illness, injury, surgery, or if you are having a baby. The plan pays a lump-sum benefit for admission and a daily benefit for a covered hospital stay. You can use the cash benefits to help pay for out-of-pocket medical costs or personal expenses. Benefits are paid regardless of any other insurance you may have and you may enroll eligible dependents.
You are eligible to enroll if you are regular associates scheduled to work 20 or more standard hours per week. You may generally only enroll as a new hire or during Open Enrollment only each calendar year.
To view full program details, including summary plan descriptions/overviews (as applicable), access the Library by going to Learn in the header and then selecting Resource Library. If the Library is not visible, you must be logged in first as a regular associate.
| Voluntary vs Bundled Hospital Indemnity Insurance | |
|---|---|
| If you elect coverage in the Basic Plus medical plan option |
|
| If you do not elect the Basic Plus medical plan option (or you Waive medical benefits) |
|
| For 2025 |
|
Additional Medical Resources
Benefit Resources and Links
Lookup vendor contact information for specific benefit plans.
Compare Plans
Click the link below to compare the three medical plans.
Costs
Click the link below for more information on the costs of each medical plan.
Transparency in Coverage
Click the link below to access our health plan pricing information via machine-readable file (MRF) as required under the Transparency in Coverage final rule.
Health Care & LPFSA
Click the link below for more information on the Health Care FSA.
HCFSA vs. HSA
Click the link below for more information on the differences between the HCFSA and HSA plans.
Group Critical Illness
Click the link below for more information on the Group Critical Illness plan.
Health Savings Account
Click the link below for more information on the Health Savings Account (HSA).
Memorial Sloan Kettering (MSK) Direct
MSK Direct can provide cancer treatment plans, second opinions, get you access to the latest clinical trials and more.