Protect your finances when hospitalization happens. Hospital indemnity insurance coverage provides direct cash benefits to help cover medical bills, lost wages, and unexpected expenses during hospital stays in Tennessee.
Even with health insurance, hospital stays can create financial strain. Hospital indemnity insurance provides cash benefits directly to you to cover gaps in your coverage and help with everyday expenses.
Receive cash benefits directly to you, not the hospital. Use the money however you need - medical bills, rent, groceries, or lost income.
Coverage works at any hospital in Tennessee or nationwide. No provider networks, no referrals needed - complete flexibility.
Works alongside your existing health insurance to fill coverage gaps and reduce out-of-pocket costs during hospitalization.
Receive a lump sum payment when you're admitted to the hospital, typically $500-$1,500 per admission.
Daily cash benefits for each day hospitalized, ranging from $100-$400 per day depending on your plan.
Enhanced benefits for intensive care unit stays, often double the daily benefit amount.
Additional cash benefits if surgery is performed during your hospital stay.
Coverage for emergency ambulance transportation to the hospital.
Benefits for emergency room visits and outpatient surgical procedures.
Tennessee residents face unique healthcare costs and hospitalization risks.
Average Hospital Costs: The average hospital stay in Tennessee costs $11,700, with ICU stays exceeding $25,000. Even with insurance, out-of-pocket expenses can be substantial.
High Deductible Plans: Many Tennessee residents have high-deductible health plans through the marketplace, leaving them vulnerable to significant out-of-pocket costs.
Lost Income Protection: Hospital indemnity insurance helps replace lost wages during recovery, critical for Tennessee's self-employed and hourly workers.
Local Support: Licensed Tennessee agents available to help you choose the right coverage level and understand your benefits.
Works at Vanderbilt University Medical Center, TriStar hospitals, and all other Nashville-area facilities regardless of your health plan network.
Coverage at Methodist Le Bonheur, Regional One Health, St. Jude, and all Memphis-area hospitals with no network restrictions.
Full benefits at UT Medical Center, Covenant Health facilities, and all hospitals serving East Tennessee communities.
Coverage at Erlanger Health System, CHI Memorial, and all regional medical centers across Southeast Tennessee.
Cash benefits help pay your health insurance deductible, which can be $5,000-$8,000 for marketplace plans in Tennessee.
Use cash benefits to replace wages during recovery, especially important for Tennessee's growing gig economy workforce.
Keep up with mortgage, rent, utilities, and family expenses while focusing on your health and recovery.
Simple, straightforward coverage that pays you directly when you need it most.
Select your daily benefit amount and coverage level based on your needs and budget.
Simple application process with quick approval, often within 24-48 hours.
If you're hospitalized, your coverage activates automatically at any hospital.
Get direct payment to your account to use however you need during recovery.
Get a free hospital indemnity insurance quote and see how affordable financial protection can be for your Tennessee family.
Our licensed Tennessee agents will help you find the right hospital indemnity insurance coverage for your needs and budget.
Review your current health insurance and determine the right benefit level to fill gaps.
Compare different daily benefit amounts and coverage options from multiple carriers.
Guide you through the application process and ensure you understand your benefits.
Assist with claims, answer questions, and help with policy changes as your needs evolve.
Questions about this coverage? Talk to Anthony Marshall, a licensed Tennessee insurance agent (NPN 18841157) — call or text (615) 606-2737.
Take the first step towards protecting your future. Get a personalized quote in minutes.