Hospital indemnity insurance and Supplemental Insurance from TrueCoverage

Affordable Hospital Indemnity Insurance

Find the right Ancillary Health Insurance plan for you and your family

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Choose the right Hospital Indemnity Insurance

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What is Hospital Indemnity Insurance’?

Your medical insurance helps pays for much of your medical treatment, but often does NOT cover the full expense of your residency, the ‘board and lodging’ portion of the hospital stay. Hospital Indemnity does!  It is a supplemental insurance plan that takes care of your hospital bills if you get admitted due to an accident, surgery or any other illness.

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Why should I consider Hospital Indemnity Insurance?

No one plans to get sick or injured.  But if it happens, you are liable for your deductibles, copays, and expenses beyond those paid by your existing health insurance.

For a relatively low cost, indemnity insurance covers the out-of-pocket expenses that your health insurance doesn’t. 

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How does it work?

Hospital indemnity insurance plans help pay for the additional nights, and services, that you require.  It may also cover loss of income.

The claim amount is paid directly to you or your designee.  There is no restriction on how you use these benefits.

TrueCoverage helps  find the policy that best suits you.

Understanding Hospital Indemnity Insurance

Frequently Asked Questions

Does this affect my Existing Health Insurances?

No. Supplemental policies ADD to your protection against unexpected expenses. There are a wide range of costs and benefits. The insurance experts at TrueCoverage will ensure that your ancillary health insurance policy complements your existing health coverage. There is no value in duplicate coverage!

Do Supplemental policies have to be with the same insurance provider?

Not at all! You are free to consider any insurance provider that meets your needs. The advantage of ‘supplemental insurance’ is that you can personalize your portfolio to meet your specific needs. It makes sense to review your existing policies and your anticipated needs on a regular basis. Even if you carry on as before, you will feel better about it!

What is the role of TrueCoverage?

There are over 600 Insurance providers in the USA! It would be impossible for one individual to keep track of all the offerings available! At TrueCoverage we aim to do just that. We’ll ask a few questions, then quickly research and present the policies that make the most sense for you.  With over 600 companies to choose from, we have a wide range of options and can find the best plan for you!

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This website is operated by TrueCoverage and is not the Health Insurance MarketplaceSM website. In offering this website, TrueCoverage is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220 (c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance MarketplaceSM website. To see all available data on QHP options in your state, go to the Health Insurance MarketplaceSM website at

Also, you should visit the Health Insurance MarketplaceSM website at if:

    • You want to select a catastrophic health plan.
    • You want to enroll members of your household in separate QHPs.
    • The plans offered here don’t offer pediatric dental coverage and you want to choose a QHP that covers pediatric dental services or a separate dental plan with pediatric coverage. Pediatric dental services are an essential health benefit.

TrueCoverage offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

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