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Hospital Indemnity Insurance (MetLife)
Hospital Indemnity Insurance
It’s scary enough being admitted into the hospital, so why worry about whether you’ll be able to cover unexpected expenses?
Hospital stays can be pricey and are often unexpected. If you are out of work unexpectedly, you may have trouble meeting household expenses such as your mortgage and car payment, on top of any medical expenses that you are obligated to cover like deductibles, copays and out-of-network care or treatments. Since most medical plans — particularly high deductible health plans (HDHPs) — don’t cover all expenses, you can help protect yourself from the financial strain of out-of-pocket costs and unexpected expenses.
With benefits that are simple to understand and easy to use, we’ll help you provide a hospital indemnity insurance benefit plan for their needs. Our solutions provide:
Hospital indemnity insurance benefits may include:
Frequently Asked Questions
You are eligible to enroll yourself and your eligible family members7. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage.
Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.
Yes, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.
If you need to use your benefits, you can call MetLife directly:
Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 8:00 p.m., EST. Individuals with a TTY may call 1-800-855-2880.
Please call MetLife directly at 1-855-JOIN-MET (1-855-564-6638), Monday through Friday from 8:00 a.m. to 8 p.m., EST and talk with a benefits consultant.
How to Enroll
Enrollment takes place at the initial time of hire and at annual open enrollment which is generally in June for a July effective date.
- Log in to the Employee Portal
- Click on “Benefits”
- Click on “Benefits Enrollment”
- Follow the steps presented
You can also contact your Advanstaff HR Benefits Representative by submitting a support ticket or by calling us 702-598-0000.