Hospital Indemnity Insurance · South Florida
A daily cash benefit for every night you spend admitted.
Fixed cash paid per admission and per day in the hospital — the cleanest way to neutralize a high deductible or a Medicare Advantage copay schedule.
Why it matters
The single best-value supplement for high-deductible households.
Most Florida ACA and employer plans now carry $5,000–$15,000 family deductibles, and Medicare Advantage plans charge daily inpatient copays for the first several days. Hospital indemnity is built precisely for that structure: a first-day admission benefit plus a per-day amount that lines up with what you'd otherwise owe.
Because it pays a fixed schedule instead of a percentage of charges, claims settle quickly and predictably — usually within two weeks of discharge. It is the coverage our clients use most often, and the one they thank us for most.
What's included
How the benefit schedule is built.
First-Day Admission Benefit
A lump payment triggered the moment you're formally admitted.
Daily Confinement Benefit
$100–$500 per day for a defined number of days per confinement.
ICU Multiplier
Intensive care days typically pay double the standard daily amount.
Observation & ER Riders
Optional coverage for observation stays and emergency visits that don't become admissions.
Surgery & Anesthesia
Add-on schedules that pay per procedure, inpatient or outpatient.
Medicare Advantage Pairing
Sized deliberately against your plan's inpatient copay days.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Hospital Indemnity questions we hear every week.
What is hospital indemnity insurance?+
It's a supplemental policy that pays you a fixed cash amount for hospital admissions and each day of confinement, regardless of what the hospital bills or what other insurance pays.
How much does it cost?+
Typically $30–$70 per month for a $200–$300 daily benefit, depending on age and the riders selected.
Is it worth it with Medicare Advantage?+
Very often yes. Advantage plans charge daily inpatient copays and an out-of-pocket maximum; indemnity cash covers those copays directly. This is one of the most common pairings we write.
Does it cover observation stays?+
Only with the observation rider. That matters — observation status is billed under outpatient rules and catches many people off guard.
Are there waiting periods?+
Usually 30 days for illness, with accidents covered immediately, plus a pre-existing condition limitation for the first 6–12 months.
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.