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From hospital to home

Recovery doesn't stop the moment a patient walks out of the hospital. There might be follow-up care and services needed, and those bills can add up quickly. How would your clients pay for those expenses?

Mutual of Omaha's Hospital Protection℠ plan has their backs. It starts with a daily benefit amount to help handle costs associated with an inpatient stay. And that's just the beginning. With nearly a dozen optional riders, your clients can tailor a policy that perfectly fits their needs, giving them peace of mind knowing they're well taken care of, whenever they might need it.

This isn't just coverage to help pay for a hospital stay. It's protection that spans from hospital to home.

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Product Details

Target Market

Medicare age clients looking to supplement high-deducitble Medicare supplement plans or Medicare Advantage clients.

Waiting Period

Benefits start as soon as coverage is issued

No waiting period

Benefit Options

Base benefits are paid for hospital confinement, observation stays, mental health and more
  • Daily benefit amounts range from $100 to $1,000 (in $10 increments)
    • Day options: 3-10, 15, 20, 31
  • Lump-sum benefit amounts pay $100 to $3,000 ($50 increments)

Issue Ages

    Ages 18-85

Premium Structure

Rates are based on application date, not effective date
  • Issue Age
  • Unisex rates
  • Rates do not vary by tobacco/nontobacco

Discounts

Up to 7% discount when the policy issued*

Underwriting

Guaranteed Issued for ages 64 to 74

Base Plan Benefits (Built-in)

A benefit period begins when the client is confined to a hospital for at least 24 hours

Observation Stay:

100% of the daily hospital for the lesser of 1) 5 days, or 2) the base hospital day option selected

Mental Health:

$175/day, up to 7 days per calendar year

Pet Boarding:

$75/day, up to 14 days per calendar year

Optional Benefit Riders (additional costs)

Once insured under our hospital plan, your clients can expand their protection by purchasing these additional riders
  • Skilled Nursing Facility
  • Home Health Care
  • Lump Sum Cancer
  • Outpatient Surgery
  • Ambulance and Emergency or Urgent Care
  • Guaranteed Purchase Option
  • Outpatient Therapy
  • Major Diagnostic Testing
  • Prescription Drug

Policy Fee

No

Key Selling Points

Benefits are paid in addition to Medicare or any other coverage your client has.

Your client also has flexible coverage they can choose the number of days they want to receive benefits, up to 31 days per covered hospital stay
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