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Hospital Indemnity Insurance

Group Name: MCC Holding Company LLC
Group Number: 0072289-8
Benefits summary & cost

Learn more about the Tri-Agency rule

Learn more about the Colorado Fixed Indemnity Policy Notice

Get a daily benefit if you have a covered stay in a hospital


Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital.* You can use your benefit payments however you would like, such as for out-of-pocket medical expenses, travel, food and lodging expenses or everyday expenses like utilities and groceries. A benefit waiting period may apply and other facilities may be covered as defined in your certificate. Hospital Indemnity Insurance is a limited benefit policy. This is not health insurance and does not comply with the requirement of minimum essential coverage under the Affordable Care Act. For a complete description of benefits, exclusions and limitations, refer to your certificate of insurance and any riders.


Your Hospital Indemnity Insurance includes the following benefits:

Initial Confinement Benefit

The Initial Confinement Benefit provides an additional benefit payment for the first day you spend in a hospital, critical care unit or rehabilitation center. Your spouse and/or child(ren) are also eligible for this additional benefit if they have Hospital Confinement Indemnity Insurance coverage.

Non-insurance services: the following services are not insurance, and may be discontinued at the request of your employer.
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.
 

We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares. Learn about Voya Cares®.

Certificates
Review this document for a complete overview of benefits

Certificate of Coverage and Riders

What is Hospital Indemnity Insurance?

Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital*, critical care unit** or rehabilitation facility**, on or after your coverage effective date. The benefit amount is determined based on the type of facility and the number of days you stay. This is a limited benefit policy. Hospital Indemnity Insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


*The definition of hospital does not include an institution or part or an institution used as a hospice unit; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative center; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction. See the certificate for details.

**Covered facilities may vary based on your employer's policy.  

How can Hospital Indemnity Insurance help?

You can use the benefit however you would like. While coverage amounts may vary, below are a few examples of how you could use your benefit: 

  • Out of pocket medical expenses, such as deductibles and co-pays
  • Travel, food and lodging expenses for family members
  • Child care
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

Premium amounts are deducted from your paychecks, so you don’t have to worry about paying another bill.


Can I purchase coverage for my spouse and child?

Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected. 

*Standard ages may vary.

How much does it cost?

The cost of Hospital Indemnity Insurance varies. Please refer to your enrollment materials or contact your employer. 

Is this guaranteed issue coverage?

Yes. This is guaranteed issue coverage. Pre-existing limitations may apply. See the Certificate of Insurance and any riders for a complete list of available benefits along with applicable provisions, limitations and exclusions.

If an employee’s spouse and/or child also works at the company and is covered as an employee, are they also eligible for coverage under the Spouse and/or Child Rider?

No. If your spouse is covered under the policy as an employee, then your spouse is not eligible for coverage under the Spouse rider. Likewise, if your child is covered under the policy as an employee, then your child is not eligible for child coverage under the Child Rider.


Additionally, if both you and your spouse or domestic partner are covered under the policy as an employee, then only one of you may cover your children. If the parent who is covering the children stops being insured as an employee, then the other parent may enroll for children coverage.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-HI-POL-12 and Certificate Form #RL-HI-CERT-12; Spouse Hospital Confinement Indemnity Rider form #RL-HI-SPR-12; Children’s Hospital Confinement Indemnity Rider form #RL-HI-CHR-12; Initial Confinement Benefit Rider form #RL-HI-ICN-12; Diagnostic Test Benefit Rider form #RL-HI-DGR-12; Wellness Benefit Rider form #RL-HI-WELL-12; Accident Benefit Rider form #RL-HI-ACD-12; and Critical Illness Benefit Rider form #RL-HI-CIR-12. Form numbers, provisions and availability may vary by state.

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