HospitalWise - UHOne

HospitalWise - UHOne


What It Is
HospitalWise is a hospital inddemnity insurance plan that pays a fixed cash amount for covered hospital stays, regardless of actual medical costs. It is a supplement to major medical insurance.

How It Works
Helps offset out-of-pocket expenses such as copays, deductibles or other costs that arise during hospital stays. The cash benefit is paid directly to the insured who can use it however they wish.

Plan Levels
  1. Basic - Covers inpatient, ICU, and hospital observation
  2. Bundle 1 - Adds outpatient care, surgery, diagnostics, and ambulance
  3. Bundle 2 - includes all benefits plus a Wellness benefit
  4. Each tier increases cash payouts for covered services.

Key Benefits
  1. Inpatient hospital stay: $1,000/day (up to 10 days per confinement)
  2. Intensive Care Unit: $1,000/day (up to 10 days)
  3. Observation stay: $1,000/ day (up to 4 days per year)
  4. Outpatient ER/Urgent/Doctor visits: up to $750/day (Bundle 2)
  5. Outpatient surgery: up to $2,000/day (2 days per year)
  6. Major diagnostics (CT, MRI, PET): up to $1,000/day (2 days per year)
  7. Ambulance: Ground $500/day or Air $5,000/day
  8. Wellness benefit: $75 per exam (1 per year, Bundle 2 only)

Eligibility
  1. Ages 18-64 for primary insured
  2. Ages 18-64 for spouse/domestic partner
  3. Dependents under age 26
Some state variations apply with dependents

Guaranteed Issue
No medical questions required

What’s Not Covered
  1. Self-inflicted injuries, war or felony acts
  2. Cosmetic or weight-loss surgery
  3. Maternity (except complications)
  4. Mental health/substance abuse treatment
  1. Dental or vision procedures (unless injury-related
  2. Services outside the U.S. (except emergencies)

Great For
  1. Adults needing hospital cost protection
  2. Adults on Medicare Advantage

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