Hospital Indemnity
Get extra financial protection if you're hospitalized. This plan pays you a cash benefit for each day you're admitted to the hospital, which you can use for anything — medical bills, household expenses, or whatever you need.
Hospital Indemnity Insurance is especially valuable for those enrolled in high-deductible health plans (HDHPs), helping to bridge the financial gaps left by traditional medical coverage. Cash benefits can be used how needed - whether to help cover medical expenses not paid by your primary health insurance, such as co-pays and deductibles, or to pay for everyday living expenses like rent, utilities, or groceries.
McClatchy has partnered with The Hartford to offer two Hospital Indemnity plans to benefit-eligible employees.
Plan Information
McClatchy offers two hospital indemnity plans a high and low plan.
The high plan will pay out up to $20,000 per qualified diagnosis and the low plan will pay out up to $10,000 per qualified diagnosis.
Covered Dependents receive 100% of your benefit amount.
The cash benefit is in the form of a lump sum payment, which is paid directly to you after a covered confinement.
Low Plan
| Coverage | Rates |
| Employee Only | $5.03 |
| Employee + Spouse/DP | $9.93 |
| Employee + Child(ren) | $8.17 |
| Employee+ Family | $13.63 |
High Plan
| Coverage | Rates |
| Employee Only | $10.79 |
| Employee + Spouse/DP | $21.12 |
| Employee + Child(ren) | $17.10 |
| Employee+ Family | $28.57 |
The Summary Plan Description (SPD) is a detailed guide to what McClatchy's Accident plan covers and how the plans work.
- Hospital Indemnity SPD (coming soon)
In most cases, you may only make changes to your benefits during Open Enrollment. However, employees enrolled in Accident, Critical Illness, and/or Identity Theft coverage may choose to make some limited changes or cancel their coverage at any time during the year. If you would like to make changes or drop coverage for one or all of these plans, please take a look at our Accident, Critical Illness, Hospital Indemnity and/or Identity Theft coverage change page for more details.
Hospital Indemnity Insurance FAQ
The Hospital Indemnity policy pays you a lump-sum benefit per occurrence if you or a covered family member is has a hospital confinement for injury or illness.
You or a covered family member will submit the claim for processing.
You can submit claims for covered benefits any time after the coverage effective date.
The Hartford Claim office number 866-547-4205.
No, coverage is offered on a Guaranteed Issue basis, which means you do not need to answer medical questions.
| Hospital Confinement | Low Plan | High Plan |
| First day up to 5 days/year | $500 | $1,000 |
| Daily up to 90 days/year | $100 | $200 |
| First day ICU once/year | $1,000 | $2,000 |
| Daily ICU up to 30 days/year | $200 | $400 |
| Newborn Routine Care once/live birth | $250 | $500 |
For a full list, please refer to the plan documents.
Contacts
- The Hartford Claim Services - 866-547-4205
- Hours of operation 8am - 6pm ET
Visit TheHartford.com/employeebenefits
for more information.