Hospital Indemnity
Baldwin County Schools offers a hospital indemnity plan through Voya Financial. The hospital indemnity plan pays when you are admitted to the hospital, whether it is a planned or unplanned admission. This includes emergencies and unexpected admissions as well as scheduled surgeries and procedures. You may use the fixed benefits as you choose to help offset deductibles, coinsurance, and other expenses. Pregnancy is covered under this benefit with no pre-existing condition exclusion or coverage restrictions.
Lump sum payments are made directly to the employee according to the coverage amounts specified in the schedule of benefits.
Hospital Indemnity insurance offers daily payments for each day spent in the hospital, and you have the flexibility to use the funds as you see fit, whether to cover hospital bills or to manage additional costs that arise during your recovery.
Premium Information: baldwincountyschoolsbenefits.com/rates
Important Documents: baldwincountyschoolsbenefits.com/resources
| Schedule of Benefits | Amount |
|---|---|
| Initial Hospital Confinement Benefit | $1,000 |
| Initial Hospital Confinement ICU Benefit | $1,000 |
| Daily Hospital Confinement Benefit | $100 / day up to 30 days per confinement |
| Daily Hospital Confinement ICU Benefit | $200 / day up to 30 days per confinement |
| Inpatient Rehabilitation Facility |
$100 / day up to 30 days per confinement Includes substance abuse and mental health treatment facilities |
Wellness Benefit Included
The voluntary Hospital Indemnity plan includes a wellness benefit for covered preventive screenings, including but not limited to:
- Chest X-Ray
- Mammogram
- Hemoccult
- Colonoscopy
- CA 125 and CEA blood tests
- Prostate specific antigen testing
- Women's wellness
Refer to the Certificate on the Resources page at https://baldwincountyschoolsbenefits.com/resources for the extensive list of eligible covered screenings.
Wellness Benefit Amount
- Employee: $50
- Spouse: $50
- Child(ren): $50
Maximum benefit of once/year/insured
Portability
This plan is portable at time of employment separation.
How to File a Claim
