If you become injured or ill and are hospitalized, your health insurance will pay a portion of your medical costs. But no plan pays for everything. Your share of the hospital bill with coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur. Hospital Confinement 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. Features of this insurance include:
Your employer offers you the opportunity to purchase the following coverage:
*A hospital does not include an institution or part of an institution used as: a hospice care 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. “Critical care unit” and “rehabilitative facility” are specifically defined in this policy. See the certificate for details.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Can I meet with someone one-on-one to get a better understanding of this insurance product?
Yes, Baystate Health has partnered with the Farmington company during benefits open enrollment. Specially trained Licensed Agents are available onsite at Baystate throughout the open enrollment period, to assist with questions and help you make informed decisions.
Who is the provider?
Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.
Who is eligible?
All Baystate and Baycare employees who work at least 16 hours/wk or BVNAH employees who work at least 15 hours/week.
Who can enroll?
This policy is available for individuals, single-parent families, individuals with spouses* or another adult dependent and families.
*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider.
When can I enroll?
When is my coverage effective?
The effective date of coverage is the date you are eligible to begin filing claims.
When/how can I cancel my coverage and when would it take effect?
What if my employment status changes?
How do I pay for this benefit?
What benefits are included in this plan?
The following list includes the benefits provided by Hospital Confinement Indemnity Insurance. The benefit amounts paid depend on the type of facility and number of days of confinement. For a complete description of your available benefits, along with applicable provisions, exclusions and limitations, see your certificate of insurance and any riders.
Below are a few examples of how your Hospital Confinement Indemnity Insurance benefit could be used (coverage amounts may vary):
Exclusions and Limitations
Exclusions for the certificate, Initial Confinement Benefit, Spouse Hospital Confinement Indemnity Insurance and Children's Hospital Confinement Indemnity Insurance are listed below. (These may vary by state.) Benefits are not payable for any loss caused in whole or directly by any of the following:
*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.
Are there any pre-existing condition limitations with this plan?
What is the Wellness Benefit, and how do I claim my $100?
The Wellness Benefit is a rider that is automatically included with your Accident, Critical Illness, and/or Hospital Confinement Indemnity Insurance coverage. It provides an annual benefit payment if you complete a health screening test, whether there is any out-of-pocket cost to you or not. You are eligible to receive one annual benefit of $100, regardless of how many screening tests you may complete. If enrolled, your spouse is eligible to receive the $100 wellness benefit and your children are eligible to receive $50 each, up to a maximum of $200 for all children in a calendar year, if they complete a screening. If you participate in Baystate’s health screenings for employees through the Baystate Healthy program, this screening qualifies for the $100 benefit.
Click here to view more details about what types of screenings qualify on the wellness benefit and here for how to claim it. Personal information provided on a claim form and supporting documentation confirming the name of the person/organization you saw and date of the screening is, generally, what Voya requires. Information regarding other insurance is not needed for this type of claim.
I have Voya coverage under more than one plan (Accident, Critical Illness, and/or Hospital Indemnity) that includes a $100.00 wellness benefit. Am I eligible to be reimbursed for that benefit under more than one plan for the same service?
How do I access a claim form and how do file a claim for benefits?
This is a summary only. Please review your enrollment materials and any other applicable brochures prior to enrolling in coverage. 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. Form numbers, provisions and availability may vary by state.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
|Hospital Indemnity Benefits Guide|
|Hospital Confinement Indemnity Insurance Plan Certificate of Insurance|
|Hospital Confinement Indemnity Insurance Plan State Mandated Forms|