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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.

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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.