Benefits At a Glance

Employees can elect the Compass Hospital Confinement Indemnity benefit. This policy provides a daily benefit for eligible hospital confinements. Employees can use the benefit as they choose – for instance, to help offset copays, coinsurance or deductibles that may be tied to a hospitalization or lost time from work.

Employee Benefit Resources Website


Coverage $100 $200 $300
Employee $13.85 $28.59 $42.88
Employee & Spouse $26.96 $55.67 $83.50
Employee & Child(ren) $19.89 $41.07 $61.60
Family $33.00 $68.15 $102.22

Active, Full Time Employees, Spouse under age 70 when issued, unmarried Chid(ren) birth to 26.

A spouse cannot be covered under the plan as an employee.

If both parents have employee coverage, only one parent can cover the children.

If the parent who is covering the children stops being insured as an employee, than the other parent may apply for Children’s coverage.

Plan Design

Employees have a choice of coverage level (Daily benefit amount) at annual enrollment.   Employees can choose from one of three daily benefits: $100, $200 or $300 and can include coverage on spouse, child(ren) or family.

Benefit Amount
Hospital Daily benefit up to 30 per confinement
Critical Care Unit 2 x Daily benefit up to 15 per confinement
Rehabiliation Facility 1/2 Daily benefit up to 30 per confinement
Initial Confinement 5 x Daily benefit
1 per person per year, 4 total per year
Waiting Period None, 0 days
Pre-Existing Condition None, Guarantee Issue
Age Reductions None

Definition of Hospital

A hospital does not include an institution or part of an institution used as: a hospice unit; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative facility; an extended-care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction.


Benefits are not payable for any loss caused in whole or directly by any of the following:

  • Participation or attempt to participate in a felony or illegal activity,
  • Operation of a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the Accident occurred,
  • Suicide, attempted suicide or any intentionally self-inflicted Injury, while sane or insane.
  • War or any act of war, whether declared or undeclared (excluding acts of terrorism). Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
  • Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
  • Elective surgery, except when required for appropriate care as a result of the covered person’s injury or sickness.
  • Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
  • Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
  • Engaging in hang-gliding, bungee jumping, parachuting, sailgliding, parasailing, parakiting, kitesurfing or any similar activities.
  • Practicing for, or participating in, any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received.

Certificate of Coverage

Hospital Confinement Certificate of Coverage