{"id":19,"date":"2025-11-07T21:37:52","date_gmt":"2025-11-07T21:37:52","guid":{"rendered":"https:\/\/myoeme.io\/robertferrilli-en\/?page_id=19"},"modified":"2025-11-09T13:13:46","modified_gmt":"2025-11-09T13:13:46","slug":"hospital-indemnity-insurance","status":"publish","type":"page","link":"https:\/\/myoeme.io\/robertferrilli-en\/benefits\/hospital-indemnity-insurance\/","title":{"rendered":"Hospital Indemnity Insurance"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull disable-element-on-mobile has-aspect-ratio wp-duotone-unset-1\" style=\"padding-top:35vh;padding-bottom:65px;aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-231 size-large\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/06\/tmpiqr2hlhy-1024x390.webp\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-60 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-174515c3 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong>Hospital Indemnity Insurance<\/strong><\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:500\">Focus on healing, not on hospital expenses.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:28%\"><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover alignfull hide-on-large-devices has-aspect-ratio wp-duotone-unset-2\" style=\"padding-top:15vh;padding-bottom:var(--wp--preset--spacing--40);aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-231 size-large\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/06\/tmpiqr2hlhy-1024x390.webp\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-60 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-c8cde179 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong>Hospital Indemnity Insurance<\/strong><\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:500\">Focus on healing, not on hospital expenses.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-f2bd6281 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns has-accent-3-background-color has-background is-layout-flex wp-container-core-columns-is-layout-0b25a670 wp-block-columns-is-layout-flex\" style=\"border-right-color:var(--wp--preset--color--base);margin-top:0;margin-bottom:0;padding-top:7vh;padding-right:15px;padding-bottom:7vh;padding-left:15px\">\n<div class=\"wp-block-column is-vertically-aligned-stretch is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:53%\">\n<div class=\"wp-block-group is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-b21d21b4 wp-block-group-is-layout-flex\" style=\"min-height:100%\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-6b559fa5b5cdc912f1c60b9d41bdca0e\" style=\"padding-bottom:20px;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:700\"><strong><strong>Help Alleviate Costs from Hospital Stays<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-left\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Supplement your current health plan and help protect your finances with hospital indemnity insurance.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;flex-basis:47%\">\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-f1f2ed93 wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"6nWyCZ1DegeRAPrgfeOrbxWYeBLQtUEkR71o2FVAxFM\"\nposter=\"https:\/\/myoeme.io\/robertferrilli-en\/wp-content\/uploads\/sites\/400\/2025\/11\/Hospital-Indemnity-English.png\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);padding-top:0px;padding-bottom:0px\">\n<p class=\"wp-container-content-9cfa9a5a\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">If you\u2019re admitted to the hospital for a planned or unexpected visit, MetLife&#8217;s Hospital Indemnity Insurance provides a lump-sum payment to use however you see fit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-a5c89bdfc3660ca1149c50d7d7e56308 wp-container-content-9cfa9a5a\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:0;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\"><strong><strong><strong><strong>Hospital indemnity insurance benefits<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-1bdfba892ceb47ed5dccf2c6a591b8ce wp-container-content-9cfa9a5a\" style=\"padding-top:20px;padding-bottom:var(--wp--preset--spacing--30);font-size:clamp(16.293px, 1.018rem + ((1vw - 3.2px) * 0.68), 25px);font-style:normal;font-weight:900\"><strong><strong><strong><strong><strong><strong>Lump-sum payment<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Paid directly to you \u2014 not hospitals or doctors \u2014 to spend on whatever you need.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-a20c0b19acfe8796a732c7c62ca35234 wp-container-content-9cfa9a5a\" style=\"padding-top:20px;padding-bottom:var(--wp--preset--spacing--30);font-size:clamp(16.293px, 1.018rem + ((1vw - 3.2px) * 0.68), 25px);font-style:normal;font-weight:900\"><strong><strong><strong><strong><strong><strong><strong>Guaranteed acceptance<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">No medical questions and no waiting period for you and eligible family members.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-8a806404d0f56386eafc0094bee1abd3 wp-container-content-9cfa9a5a\" style=\"padding-top:20px;padding-bottom:var(--wp--preset--spacing--30);font-size:clamp(16.293px, 1.018rem + ((1vw - 3.2px) * 0.68), 25px);font-style:normal;font-weight:900\"><strong><strong><strong><strong><strong><strong><strong><strong>Financial support<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Paid benefits for covered services and treatment\u2014 regardless of what your medical insurance may cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-2c50848cfa252a63e2ef99ea232abf96 wp-container-content-9cfa9a5a\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:20px;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\"><strong><strong><strong><strong><strong>Coverage for care during your hospital stay<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Even with medical insurance, a hospital stay can be costly. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more.<\/p>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Hospital indemnity insurance can help with out-of-pocket costs while you\u2019re in the hospital and recovering to help reduce the financial impact while you heal. With this supplemental plan from MetLife, you:<\/p>\n\n\n\n<ul style=\"border-style:none;border-width:0px;margin-top:0px;margin-bottom:0px;padding-left:var(--wp--preset--spacing--30)\" class=\"wp-block-list is-style-checkmark-list\">\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">Get competitive rates by enrolling through work.<\/li>\n\n\n\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">Can take your coverage with you if you leave your job or retire.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-4b04ccf783630d06399329a12a118c4d wp-container-content-9cfa9a5a\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:20px;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\"><strong><strong><strong><strong><strong><strong>Do you need hospital indemnity insurance?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Reasons to consider adding this supplemental plan to your insurance coverage lineup:<\/p>\n\n\n\n<ul style=\"border-style:none;border-width:0px;margin-top:0px;margin-bottom:0px;padding-left:var(--wp--preset--spacing--30)\" class=\"wp-block-list is-style-checkmark-list\">\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">You have a chronic health condition.<\/li>\n\n\n\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">You have a family history of serious illnesses.<\/li>\n\n\n\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">You have a planned procedure or surgery.<\/li>\n\n\n\n<li style=\"margin-top:0px;margin-bottom:0px;padding-top:10px;padding-bottom:10px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.1\">You\u2019re looking for additional financial reassurance and support.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-accent-3-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-6b16ff14 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60)\">\n<p class=\"has-contrast-color has-text-color has-link-color wp-elements-c8896ba036a0dd909b8776528897fdb2 wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.391), 19px);font-style:normal;font-weight:500\">DID YOU KNOW?<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-df6b824f09377434e185fd1fa931f032 wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(24.034px, 1.502rem + ((1vw - 3.2px) * 1.247), 40px);font-style:normal;font-weight:700\"><strong><strong><strong><strong><strong><strong><strong><strong>The average per day cost of a hospital stay is around $2,883.<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-e71ab943455d994140fb7193479904eb wp-container-content-9cfa9a5a\" style=\"padding-bottom:20px;font-size:clamp(24.034px, 1.502rem + ((1vw - 3.2px) * 1.247), 40px);font-style:normal;font-weight:700\"><strong><strong><strong><strong><strong><strong><strong><strong>Hospital Indemnity insurance pays regardless of what your medical insurance covers, reducing the financial burden of a hospital stay.<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Help Alleviate Costs from Hospital Stays Supplement your current health plan and help protect your finances with hospital indemnity insurance. If you\u2019re admitted to the hospital for a planned or unexpected visit, MetLife&#8217;s Hospital Indemnity Insurance provides a lump-sum payment to use however you see fit. Hospital indemnity insurance benefits Lump-sum payment Paid directly to [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":56,"parent":15,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-19","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":4,"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":164,"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/pages\/19\/revisions\/164"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/pages\/15"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/media\/56"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/robertferrilli-en\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}