MetLife Hospital Indemnity Plan

  • Hospital stays can be costly and are often unexpected.  Even the best medical plans may leave you with extra expenses to pay out of your pocket, like deductibles, coinsurance, and co-pays.

    The MetLife Hospital Indemnity Plan (HIP) pays a cash benefit when you or a covered dependent is hospitalized due to an accident or illness. Pre-existing conditions limitations may apply. 

     

     
     

    Employees may enroll in MetLife HIP as a new hire, during annual enrollment, or within 31 days of a qualified life event.  Please contact the benefits team in Risk Management at 727-588-6197 for more information.

     

    MetLife Hospital Indemnity Insurance (HIP) 

    MetLife HIP Claim Form - Certificate number: GCERT12-AX  (Income Tax Considerations)
    MetLife HIP Policy and Certificate of Coverages

    * Income Tax Consideration:
    Your Hospital Indemnity Plan deductions are automatically deducted on a pre-tax basis, along with all your other benefit deductions (except Optional Life Insurance). This means any benefit paid to you will be subject to Federal Income Taxes unless you elect to have all your premiums deducted on an after-tax basis.

    IMPORTANT: This is a fixed indemnity policy, NOT health insurance
    This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying for the cost of your care.

    • The payment you get isn’t based on the size of your medical bill

    • There might be a limit on how much this policy will pay each year.

    • This policy isn’t a substitute for comprehensive health insurance.

    • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

    Looking for comprehensive health insurance? 

    • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options

    • To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

    Questions about this policy?

    For questions or complaints about this policy, contact your State Department of Insurance. 
    Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”


    If you have this policy through your job, or a family member’s job, contact the employer.