Union Plus
Hospital Indemnity Insurance Plan

Get help paying out-of-pocket hospital costs

If you’re hospitalized, your basic health insurance plan may not cover all your needs, and you’ll be stuck with expensive medical bills. Hospital Indemnity Insurance helps you prepare for the unexpected. 

Enroll now

Go to My Account to set up Auto-Pay, make a one-time payment, review important product information and more.

What is hospital indemnity insurance?

Hospital stays can cost patients thousands of dollars in out-of-pocket fees even with health insurance. The Union Plus Hospital Indemnity Insurance Plan supports your basic health insurance plan and pays you money each day you’re hospitalized for a covered sickness or injury. 

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5 reasons to get the Hospital Indemnity Insurance Plan

The Union Plus Hospital Indemnity Insurance Plan provides peace of mind for your family in case you’re hospitalized. 

  1. It’s exclusive insurance for union members only. 
    Your acceptance is already guaranteed1. Don’t miss out by not enrolling. 
  2. You’ll save with group rates negotiated by Union Plus. 
    Our affordable rates are better than you might find on your own. 
  3. It helps protect your family’s finances from the unexpected. 
    Avoid the high cost of hospital stays and the financial anxiety that comes with them. 
  4. Benefits are paid directly to you or anyone you choose. 
    Whether you’re covering deductibles, housing care or groceries—how you use the money is up to you. 
  5. You can count on industry expertise. 
    This plan is overseen by AFL-CIO trustees—a non-profit, unpaid, independent board of retired union members.

This policy is guaranteed acceptance but does contain a Pre-Existing Condition Limitation. Please refer to the enclosed Product Summary for more information on exclusions and limitations, such as Pre-Existing Conditions. 

Benefits and Rates for People Under 65 

There are three levels of coverage for people under age 65. View the tables below to see the benefits included at each coverage level and the monthly premium rates. 

First Day Hospital coverage means coverage for first-day hospitalization, including first day intensive care unit (ICU). Daily Hospital coverage means coverage for hospital stays, up to 90 days per year. Daily ICU coverage means coverage for ICU stays, up to 30 days per year. 

 

Low Coverage Plan Monthly Premium 

Choose this benefit level for $500 in First Day Hospital coverage, $100 in Daily Hospital coverage, and $200 in Daily ICU coverage. 

Age band Union member Union member + spouse/partner Union member + child(ren) Family
18-24 $4.32 $15.07 $11.93 $23.93
25-29 $5.80 $16.00 $13.41 $24.87
30-34 $6.20 $14.87 $13.80 $23.73
35-39 $5.40 $11.55 $13.00 $20.41
40-44 $4.91 $10.06 $12.51 $18.92
45-49 $5.84 $11.78 $13.44 $20.64
50-54 $7.69 $15.39 $15.29 $24.25
55-59 $10.06 $20.06 $17.66 $28.92
60-64 $11.77 $23.47 $19.37 $32.33
Low Coverage Plan Renewal Rates
Age band Union member Union member + spouse/partner Union member + child(ren) Family
65-79* $13.37 $26.66 $20.98 $35.52
80-84* $11.64 $23.18 $15.44 $27.61

Medium Coverage Plan Monthly Premium 

Choose this benefit level for $1,000 in First Day Hospital coverage, $150 in Daily Hospital coverage, and $300 in Daily ICU coverage 

Age band Union member Union member + spouse/partner Union member + child(ren) Family
18-24 $7.83 $27.50 $21.21 $43.10
25-29 $10.48 $29.12 $23.86 $44.71
30-34 $11.20 $26.95 $24.57 $42.54
35-39 $9.72 $20.83 $23.10 $36.43
40-44 $8.81 $18.05 $22.18 $33.65
44-49 $10.42 $21.02 $23.80 $36.62
50-54 $13.64 $27.31 $27.02 $42.90
55-59 $17.72 $35.35 $31.10 $50.94
60-64 $20.54 $40.96 $33.92 $56.55
65-79* $23.36 $46.57 $36.74 $62.17
80-84* $20.22 $40.27 $26.91 $48.07

High Coverage Plan Monthly Premium

Choose this benefit level for $1,500 in First Day Hospital coverage, $200 in Daily Hospital coverage, and $400 in Daily ICU coverage.

Age band Union member Union member + spouse/partner Union member + child(ren) Family
18-24 $11.35 $39.94 $30.50 $62.26
25-29 $15.17 $42.23 $34.32 $64.55
30-34 $16.19 $39.03 $35.34 $61.35
35-39 $14.04 $30.12 $33.19 $52.44
40-44 $12.70 $26.05 $31.85 $48.37
45-49 $15.00 $30.27 $34.15 $52.59
50-54 $19.59 $39.22 $38.74 $61.55
55-59 $25.39 $50.64 $44.54 $72.96
60-64 $29.31 $58.45 $48.46 $80.77
High Coverage Plan Renewal Rates
Age band Union member Union member + spouse/partner Union member + child(ren) Family
65-79* $33.35 $66.49 $52.50 $88.81
80-84* $28.80 $57.36 $38.38 $68.52

Rates and/or benefits may change on a class basis only. Rates are based on the attained age of the Insured person and increase as you enter each new age category. The benefit amount payable for each covered person will reduce by 50% on the premium due date on or next following the date the member attains age 80. 

* Renewal rates only. 

Benefits and Rates for People Age 65 and Over 

There are three levels of coverage for people 65 and over. View the tables below to see the benefits included at each coverage level and the monthly premium rates. 

First Day Hospital coverage means coverage for first-day hospitalization, including first day intensive care unit (ICU). Daily Hospital coverage means coverage for hospital stays, up to 90 days per year. Daily ICU coverage means coverage for ICU stays, up to 30 days per year. 

  

Low Coverage Plan Monthly Premium 

Choose this benefit level for $500 in First Day Hospital coverage, $100 in Daily Hospital coverage, $200 in Daily ICU coverage, plus $100 in Daily Continuous Care Confinement for 30 days and $1,000 Post Confinement Release. 

Age band Union member Union member + spouse/partner Union member + child(ren) Family
65-79 $18.39 $36.72 $26.20 $45.83
80-84* $19.32 $38.62 $23.23 $43.17

Medium Coverage Plan Monthly Premium 

Choose this benefit level for $1,000 in First Day Hospital coverage, $150 in Daily Hospital coverage, $300 in Daily ICU coverage, plus $100 in Daily Continuous Care Confinement for 30 days and $1,000 Post Confinement Release. 

Age band Union member Union member + spouse/partner Union member + child(ren) Family
65-79 $28.37 $56.54 $41.96 $72.47
80-84* $27.90 $55.71 $34.70 $63.63

High Coverage Plan Monthly Premium 

Choose this benefit level for $1,500 in First Day Hospital coverage, $200 in Daily Hospital coverage, $400 in Daily ICU coverage, plus $100 in Daily Continuous Care Confinement for 30 days and $1,000 Post Confinement Release. 

Age band Union member Union member + spouse/partner Union member + child(ren) Family
65-79 $38.36 $76.55 $57.72 $99.12
80-84* $36.48 $72.80 $46.16 $84.08

*These are Renewal Rates only. Must be under age 80 to enroll. 

Rates and/or benefits may change on a class basis only. Rates are based on the attained age of the Insured person and increase as you enter each new age category. 

The benefit amount(s) payable for each covered person will decrease by 50% on the premium due date on or next following the date the member attains age 80. 

Ready to save?

Union Plus Hospital Indemnity Insurance pays you money each day you’re hospitalized for a covered sickness or injury.

Enroll now

FAQ

Your questions, answered. 

THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. 

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. 

This website explains the general purpose of the insurance described, but in no way changes or affects the Policy as actually issued. In the event of a discrepancy between the brochure and the policy (Master Policy AGP-40000, AGP-40001), the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states or in all Unions. A.G.I.A., Inc. is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company. Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund. Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155. 

Need help?

Speak to a Union Plus Insurance Representative at 800-393-0864 (8 a.m. to 7 p.m. ET, weekdays). 

You may also contact the Union Plus Member Advocate, an OPEIU Local 2 member, at 800-472-2005 (8:30 a.m. to 4:30 p.m. ET, weekdays). 
 

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155. 

AGP-40000; AGP-40001 

Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent. 

May not be available in all states. 

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