Group Hospital/Surgical Plans

On their own, hospital and surgical indemnity plans aren’t much to get excited about. But when you *layer* them with the right major medical plan, they become one of the smartest tools in your benefits toolbox.

These plans pay a flat, predetermined benefit—usually between $500 and $5,000—for hospital stays, surgeries, or specific procedures. Some versions also cover diagnostic testing, ER visits, and doctor appointments. They're simple, fast, and work alongside any existing health insurance plan to reduce out-of-pocket exposure.

Here’s where it gets interesting: Surest by UnitedHealthcare (formerly Bind) is a no-deductible health plan that uses higher copays for hospital and surgical events to control costs. That design makes it a perfect match for one of our hospital/surgical plans. Pairing Surest with a $30–$40/month hospital/surgical supplement can dramatically reduce financial risk for employees—without breaking the bank for employers.

Even better? These supplemental plans are not subject to ACA mandates, so they offer flexibility. If your business isn’t required to offer traditional health coverage, you can help employees get individual coverage through the Marketplace (many qualify for subsidies), and then layer on supplemental protection like a hospital/surgical plan, accident coverage, and critical illness benefits. The result? A more protected employee with a much more affordable benefit package.

Want to make your benefits strategy smarter? Start with our Bill Audit program or reach out to us here and we’ll walk you through how to build a better benefit—without spending more.