Hospital Indemnity - Ancillary Products Title Image

  See All Ancillary Products
MetLife Logo
If you’re admitted to the hospital for a planned or unexpected visit, MetLife’s Hospital Indemnity Insurance provides a lump-sum payment to use however you see fit. Benefits are paid regardless of what is covered by medical insurance, reducing the financial burden of a hospital stay. Payments are made directly to covered employees to spend as they choose.

Click to expand each section
Admission Benefit           Low Plan       High Plan
4 Times per Calendar Year
Admission   $500       $1,000
ICU Supplemental Admission   $500       $1,000
ICU Supplemental Admission Benefit is paid concurrently with the Admission Benefit when a covered person is admitted to ICU
 
Confinement Benefit           Low Plan       High Plan
31-Days per Confinement
ICU Supplemental Confinement will pay an Additional Benefit for each of those 31-Days
Confinement   $100       $200
ICU Supplemental Confinement   $100       $200
ICU Supplement Confinement Benefit is paid concurrently with the Confinement benefit when a covered person is admitted to ICU
 
Inpatient Rehabilitation Benefit           Low Plan       High Plan
15-Days per Calendar Year
Inpatient Rehabilitation   $100       $200
(For Injury or Sickness)
 
Confinement Benefit           Low Plan       High Plan
for Newborn Nursery Care
3-Days per Confinement
Confinement   $100       $200


Coverage & Rates shown are for the 2025/26 Plan Year, effective 7/1/2025 through 6/30/2026.
Type   Low Plan        High Plan
Employee Only   9.91   19.43
Employee & Spouse   21.60   42.34
Employee & Child(ren)   15.27   29.93
Employee, Spouse & Child(ren)   26.96   52.85

  Eligibility:
      For eligible active employee members only.
      Only available if Employer group allows this coverage to be offered.
  Opportunities:
      OPEH&W Initial Enrollment.
      OPEH&W Annual Open Enrollment.
      First Offering from OPEH&W.