Aetna Hospital Indemnity Plan
The Aetna Hospital Indemnity Plan pays cash benefits to you for inpatient hospital admission and daily stays. There are also benefits for inpatient rehabilitation, substance abuse and mental disorder stays, as well as a well-baby nursery benefit. Benefits can help pay towards your medical plan's deductible, coinsurance, or other everyday expenses. Benefits are payable once per member during a plan year unless otherwise specified. For more details, including exclusions and limitations that apply, review the Aetna Hospital Indemnity Plan Highlights.
| Aetna Hospital Plan | Benefits |
|---|---|
| Hospital stay - Admission | $1,000 |
| Inpatient hospital stay / Intensive Care Unit (ICU) stay - Daily* | $100/$200 |
| Rehabilitation unit stay - Daily* | $100 |
| Newborn routine care | $100 |
| Observation unit | $100 |
| Substance abuse / Mental disorder stay - Daily* | $100 |
*All daily inpatient stay benefits begin on day two and count toward the plan year maximum. Maximum 30 daily benefits per plan year combined for all stays. Exclusions and limitations apply. Please review the Aetna Hospital Indemnity Plan Highlights.
In order for the Hospital Indemnity benefits to be payable, the initial day of your stay and other services must be on or after your effective date of coverage.
You do not need to be a member of the Carilion Clinic Medical Plan with Aetna in order to be eligible to enroll in the Aetna Hospital Indemnity Plan. As long as you are in a full-time or regular part-time position, you are eligible to enroll in the plan. The enrollment is guaranteed, and no health history forms must be completed for enrollment. You can enroll during open enrollment, as a new hire in a full or regular-part time position, or if you experience a qualifying event.
You cannot have double coverage, which means if you and your spouse work for Carilion Clinic, you cannot both cover each other on this plan.
Filing a claim is easy. Create or log into your account on the Aetna member website. Click "Report New Claim" and answer a few quick questions. If you are enrolled in the Carilion Clinic Medical Plan, Aetna will automatically retrieve any medical information needed to process your claim. If you are not enrolled in the Carilion Clinic Medical Plan, you will need to attach an itemized statement when filing your claim. You can also file a claim through the Aetna app on your mobile device. If your claim is approved, Aetna will mail you a check or directly deposit funds into your bank account, if you've enrolled in direct deposit.
If you no longer work for Carilion or are no longer eligible for the Supplemental Hospital Indemnity plan, you can continue your coverage by paying premiums directly to Aetna. The plan design and premiums will be the same as the Carilion group plan. To continue coverage, please fill out and return a portability form to Aetna. Portability forms can be found at www.myaetnasupplemental.com at the bottom of the log in page under “Printable forms”. You can also call Aetna's Customer Service department within 30 days from separation date with questions or to request a paper form toll free at 800 607-3366, Monday – Friday, 8AM – 6PM in all time zones.
