Human Resource Services

Hospital Expense Supplemental Plans

Three supplemental hospitalization insurance plans are available and provide benefits to fill the gap between what health insurance pays and what the hospital charges. These charges include hospital deductions, room and board charges, co-payments, and any special fees.


ALTA

Preferred Provider Plus (PPP)

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$250/hospital admission.
10 percent of first $25,000 of eligible in-hospital expenses and for walk-in surgical centers or ambulatory centers.
$250 inpatient emergency accident benefit per accident.
Up to $100 ambulance benefit per inpatient confinement.
Also provides limited vision coverage. See brochure for details.

Comments

The basic design of this plan is to assist payment of the deductible and co-payment of the primary health insurance.
Plan reverts to 30/20 Plus provision if hospital confined due to emergency outside state of Florida.

State Insurance Supplement (SIS)

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

PPC Hospital
$100/admission
10 percent of next $25,000 of eligible charges for room, board, intensive care, and hospital misc.

 

 

Non-PPC Hospital
$250/admission
$100/day room and board
$200/day intensive care
20 percent of UCR hospital miscellaneous charges
80 percent of UCR charges for occupational and speech therapy; maximum of $1000/calendar year
10 percent of eligible charges for ambulatory surgery ctr.; maximum $2500/person/ calendar year
80 percent of UCR charges for ambulance; maximum $400 per occurrence.

Comments

The basic design of this plan is to assist payment of the deductible and co-payment of the primary health insurance.
Has slightly higher benefit than PPP for out-of-state coverages.
Benefits are per calendar year.
No pre-existing conditions provision.

Hospital Confinement Indemnity (365 Plus)

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

Pays for each day of hospital confinement as follows:
Option I $100
Option II $200
Option III $300
Also provides limited vision coverage. See brochure for details.

Comment

Pays one-day benefit for single-day surgery/ambulatory centers.
Pays 60 percent of daily benefit for convalescent care (20-day limit/ confinement).
50 percent of daily benefit for home health care (7-day limit/ confinement)

Hospital Supplement (30/20 Plus)

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$30 daily hospital benefit.
$60 daily intensive care benefit.
$250 of first hospital "special charges"
20 percent of next $12,500 "special charges"
"Special charges" include all hospital charges other than room and board. Also provides limited vision coverage. See brochure for details.

Comment

Maximum payable for all daily room and board benefits/one confinement is $3,600.
Plan covers in-hospital only.
Plan is basically designed to assist paying deductible and co-payment of primary health insurance where no PPO facility is available.

 

Philadelphia American Life Hospital Income

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

Option 1: $100 per day of hospital confinement.
Option 2: $200 per day of hospital confinement.
30 days extended care.
90-day pre-existing clause.
Does not include Workers' Compensation.

Comments

Maximum benefit each hospitalized injury or illness: 365 days.
Call (800) 277-2300 to get a claim form, ask for the Hospital Income Benefits department.

Option 1 with expanded coverage rider

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

Adds an additional benefit of $200 per day for days 4-10 while in the hospital.

Comment

 

 

AFLAC (American Family Life Assurance Company)

Hospital Intensive Care

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$600 per day for days 1-7
$1000 per day for days 8-15

Comment

Pays for confinement in hospital intensive care, coronary intensive care, or neonatal intensive care units.
No lifetime maximum