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What is supplemental insurance?

补充医疗 pp王者电子官网1 and 补充 健康pp王者电子官网2 is additional insurance you can purchase to help individuals and families deal with additional medical costs and the extra costs associated with hospital stays.

Get a 补充医疗 or 补充医疗 + 引用*

选择一个状态

*各州提供的赔偿不同,可能会有诸如医院坐月子赔偿之类的名称, 医院赔偿, 或者医院收入. Not available in Massachusetts, New Jersey or Rhode Island.

补充健康pp王者电子官网和补充健康pp王者电子官网+有什么区别?

补充医疗 pp王者电子官网 多支付1000美元的入学福利,但没有额外的好处 补充 健康pp王者电子官网 benefits such as extended care, 紧急事故, 门诊手术, observation coverage and ambulance service.

比较补充健康pp王者电子官网和附加健康pp王者电子官网

pp王者电子官网福利

补充 健康pp王者电子官网

补充 健康pp王者电子官网

医院隔离/入学

每天限制

重症监护

延伸护理

 

紧急事故

 

门诊手术

 

观察利益* *

 

救护车(地面)

 

救护车(空气)

 

Comparing 补充医疗 pp王者电子官网 and 补充医疗 pp王者电子官网 +

补充医疗 pp王者电子官网

pp王者电子官网福利

医院隔离/
入学

每天限制

重症监护

延伸护理

紧急事故

门诊手术

观察利益* *

救护车(地面)

救护车(空气)

补充
健康pp王者电子官网

pp王者电子官网福利

医院隔离/
入学

每天限制

重症监护

延伸护理

紧急事故

门诊手术

观察利益* *

救护车(地面)

救护车(空气)

**Benefit not available in New Mexico

Get a 补充医疗 or 补充医疗 + 引用*

选择一个状态

*各州提供的赔偿不同,可能会有诸如医院坐月子赔偿之类的名称, 医院赔偿, 或者医院收入. Not available in Massachusetts, New Jersey or Rhode Island.

探索好处/
详细承保范围

Not only can supplemental insurance help pay for things not covered by your primary health insurance policy, but it also has other advantages.

Benefits with 补充医疗 pp王者电子官网

Hospital 入学 Benefit

状态 Farm® pays the hospital admission benefit amount of $3,500 for the first day the hospital confinement benefit is payable if a covered person is necessarily admitted and confined in a hospital ($1,蒙大拿500美元,3美元,000 in New Mexico and 纽约). 此福利每个日历年最多可支付一次.

Hospital Confinement Benefit

状态 Farm pays the hospital confinement benefit amount of $2503 每一天都必须有一名受保人员住院和住院. 每次分娩最多可获得365天的津贴. 如果住院观察和住院隔离发生在同一天, only the hospital confinement benefit is payable.

重症监护福利

状态 Farm pays the intensive care benefit amount of $2503pp王者电子官网的人每天都必须被限制在医院的重症监护室. This benefit is payable a maximum of 30 days (31 days in Idaho) for any one confinement and is in addition to the hospital confinement benefit.

Second Opinion Benefit (Maryland only)

If as a result of Maryland's state requirement of a utilization review for all patient's admitted to the hospital, you are billed for a Second Opinion, we will pay $125 per occurrence.

What are the benefits with 补充 健康pp王者电子官网?2

What are the benefits with 补充 健康pp王者电子官网?2

状态 Farm pays the hospital admission benefit amount of $2,500 for the first day the hospital confinement benefit is payable if a covered person is necessarily admitted and confined in a hospital ($1,在蒙大拿州有000人). 此福利每个日历年最多可支付一次.

状态 Farm pays the hospital confinement benefit amount of $250 每一天都必须有一名受保人员住院和住院. 每次分娩最多可获得365天的津贴. 如果住院观察和住院隔离发生在同一天, only the hospital confinement benefit is payable.

状态 Farm pays the intensive care benefit amount of $250 有pp王者电子官网的人每天都必须被限制在医院的重症监护室. This benefit is payable a maximum of 30 days for any one confinement and is in addition to the hospital confinement benefit.

状态 Farm pays the hospital observation benefit amount of $250 for each day a covered person receives treatment as an outpatient in a hospital observation unit and an observation room charge is incurred. 每次观察住院最多可支付14天. 每位受保人每日历年最多可支付三次住院观察. (Benefit not available in New Mexico. Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the 紧急事故 benefit amount of $250 for each day a covered person requires emergency treatment as the result of an injury. 紧急治疗必须由医生在医生办公室提供, 紧急护理设施, 或医院急诊室,并在受伤后72小时内接收, 或者在新罕布什尔州和华盛顿州受伤后的12个月内. 每个受保人每个日历年最多可获得三天的津贴. Only one benefit shall be payable per day per covered person. (Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the extended care benefit amount of $125 while a covered person is a resident inpatient in an extended care facility. An extended care facility stay must follow a hospital confinement of at least three days for which a hospital confinement benefit was payable, begin within 30 days after such hospital confinement, be for the sole purpose of receiving medical care for and during convalescence from the same injury or sickness which caused the hospital confinement, and must not exceed 60 days per calendar year. This benefit is not payable for custodial care.

状态 Farm pays the 门诊手术 benefit amount of $250 for a covered person's outpatient surgical operation. The surgery must be necessary for the treatment or diagnosis of an injury or sickness and performed by a physician in a medical facility. 每个受保人每个日历年最多可获得12天的赔偿金. 每个受保人每天只能支付一次门诊手术福利. This benefit is not payable while the covered person is confined in a hospital or is a resident inpatient in an extended care facility. (Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the ambulance benefit amount of $500 for ground and $1000 for air if a covered person requires transportation by ambulance for an injury or sickness to or from a hospital or between medical facilities. 此福利每个日历年最多可支付一次 for ground ambulance and a maximum of one time per calendar year per covered person for air ambulance (Limited supplemental coverage in Colorado and Pennsylvania).

If as a result of Maryland's state requirement of a utilization review for all patient's admitted to the hospital, you are billed for a Second Opinion, we will pay $125 per occurrence.

状态 Farm pays the hospital admission benefit amount of $2,500 for the first day the hospital confinement benefit is payable if a covered person is necessarily admitted and confined in a hospital ($1,在蒙大拿州有000人). 此福利每个日历年最多可支付一次.

状态 Farm pays the hospital confinement benefit amount of $250 每一天都必须有一名受保人员住院和住院. 每次分娩最多可获得365天的津贴. 如果住院观察和住院隔离发生在同一天, only the hospital confinement benefit is payable.

状态 Farm pays the intensive care benefit amount of $250 有pp王者电子官网的人每天都必须被限制在医院的重症监护室. This benefit is payable a maximum of 30 days for any one confinement and is in addition to the hospital confinement benefit.

状态 Farm pays the hospital observation benefit amount of $250 for each day a covered person receives treatment as an outpatient in a hospital observation unit and an observation room charge is incurred. 每次观察住院最多可支付14天. 每位受保人每日历年最多可支付三次住院观察. (Benefit not available in New Mexico. Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the 紧急事故 benefit amount of $250 for each day a covered person requires emergency treatment as the result of an injury. 紧急治疗必须由医生在医生办公室提供, 紧急护理设施, 或医院急诊室,并在受伤后72小时内接收, 或者在新罕布什尔州和华盛顿州受伤后的12个月内.

每个受保人每个日历年最多可获得三天的津贴. Only one benefit shall be payable per day per covered person. (Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the extended care benefit amount of $125 while a covered person is a resident inpatient in an extended care facility. An extended care facility stay must follow a hospital confinement of at least three days for which a hospital confinement benefit was payable, begin within 30 days after such hospital confinement, be for the sole purpose of receiving medical care for and during convalescence from the same injury or sickness which caused the hospital confinement, and must not exceed 60 days per calendar year. This benefit is not payable for custodial care.

状态 Farm pays the 门诊手术 benefit amount of $250 for a covered person's outpatient surgical operation. The surgery must be necessary for the treatment or diagnosis of an injury or sickness and performed by a physician in a medical facility. 每个受保人每个日历年最多可获得12天的赔偿金.

每个受保人每天只能支付一次门诊手术福利. This benefit is not payable while the covered person is confined in a hospital or is a resident inpatient in an extended care facility. (Limited supplemental coverage in Colorado and Pennsylvania).

状态 Farm pays the ambulance benefit amount of $500 for ground and $1000 for air if a covered person requires transportation by ambulance for an injury or sickness to or from a hospital or between medical facilities. 此福利每个日历年最多可支付一次 for ground ambulance and a maximum of one time per calendar year per covered person for air ambulance (Limited supplemental coverage in Colorado and Pennsylvania).

If as a result of Maryland's state requirement of a utilization review for all patient's admitted to the hospital, you are billed for a Second Opinion, we will pay $125 per occurrence.

提交健康索赔

提交健康pp王者电子官网索赔很简单,可以通过两种方式之一来完成. Pick the option that's best for you.

  • Take your bill(s) to your 状态 Farm agent's office.
  • Call our 健康 Response Center at 866-855-1212866-855-1212 to request a claim form.
 

联系 a local 状态 Farm agent

Any of our 19,000 insurance agents are ready to help.

 

Want to know more about health coverage?

Explore Simple Insights about health insurance

从解读行话到理解政策,了解状态 Farm多年来学到的东西.

How to request a health policy change

通过你需要知道的步骤来改变你目前的健康政策.

 
1 具体地说, 医院的收入, 医院赔偿, Hospital Confinement Indemnity Coverage, Hospital Confinement Indemnity Policy, 补充健康pp王者电子官网和每日住院补偿.
2 Not available in Connecticut, Idaho, and 纽约.
3 适合纽约居民, If you’re hospitalized for a covered sickness or injury, you’ll receive $240 (counties of Bronx, 国王, 拿骚, 纽约, 皇后区, 里士满, 萨福克郡, 罗克兰和威彻斯特)或165美元(所有其他县),每天收取食宿费用, 最多365天. If you’re in an intensive care unit, 该保单每天额外支付240美元的福利(布朗克斯县), 国王, 拿骚, 纽约, 皇后区, 里士满, 萨福克郡, 罗克兰和威彻斯特)或165美元(所有其他县)每天你在那里, 最多30天.

披露的信息
这是一种用于销售pp王者电子官网的营销工具. 完成州立农场pp王者电子官网单的申请将需要与一个 状态 Farm agent/licensed insurance producer.

这是健康pp王者电子官网的补充,而不是主要医疗pp王者电子官网的替代品. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

如果您目前有健康支出安排,如健康储蓄账户(HSA), or if you plan to open one in the future, 请咨询您的税务顾问有关这些补充健康政策提供的功能, and the possible tax implications of combining these plans.

This information provides only a brief description of coverage. 这不是合同. Certain exclusions and limitations apply. This policy may not be available in all states. 保单的覆盖范围、排除范围和限制可能在某些州有所不同. 完整的承保范围声明只能在pp王者电子官网单及其附带的附加条款中找到. 有关确切的条款和条件,请参阅:补充健康pp王者电子官网系列97071或97072. The 补充医疗 pp王者电子官网 policy form in ID is 97072ID. 本保单保证可续期,除非发生欺诈, material misrepresentation, 不支付pp王者电子官网费, or expiration of the policy. 续保保费将根据您的年龄定期增加. For additional details on coverage and cost, contact a 状态 Farm agent/licensed insurance producer.


 

The following states require that policy exclusions, 异常, and limitations be provided in this marketing material. 有关确切的条款和条件,请参阅您所在州的补充健康pp王者电子官网政策.

亚利桑那州,

由于下列原因造成或导致的任何损失,本保单不提供赔偿:

1. Normal pregnancy and childbirth; however, complications of pregnancy shall be considered as a Sickness; 2. Any attempt at suicide or any intentionally self-inflicted Injury, whether sane or insane; 3. Mental or nervous disease or disorder for more than 30 days per calendar year for the same or related disease or disorder; 4. Routine well-baby care for newborn children; 5. 任何类型的疝气或痔疮或任何扁桃体的疾病, 腺样体, or reproductive organs if the Confinement begins within 90 days after this policy becomes effective for the Covered Person. This exception shall not be applicable when the attending Physician certifies that such diseases or conditions are treated on an emergency basis; 6. Cosmetic and/or elective surgery unless caused by Injury or done for reconstructive purposes due to Injury or Sickness; 7. Intoxication (as defined by the state law w在这里 the loss occurs) or addiction to alcohol or any illegal or controlled substance, including treatment for overdose, detoxification and rehabilitation. This would not apply to treatment when a controlled substance is administered by a Physician and taken according to the Physician’s instructions; 8. 在美利坚合众国、其属地和领土以外提供的治疗; or 9. 任何未经美国批准的药物或器械的管理.S. 食物 & 美国食品药品监督管理局(FDA),包括但不限于用于药物输送的任何植入物.

已存在疾病限制:这些政策不包括任何 loss incurred which is caused by or results from a pre-existing sickness or physical condition, as defined within the policies, subject to the time limit on certain defenses provision.

康涅狄格州,

由于下列原因造成或导致的任何损失,本保单不提供赔偿:

1. Normal pregnancy and childbirth; however, complications of pregnancy shall be considered as a Sickness; 2. Any attempt at suicide or any intentionally self-inflicted Injury, whether sane or insane; 3. Mental or nervous disease or disorder for more than 30 days per calendar year for the same or related disease or disorder; 4. Routine well-baby care for newborn children; 5. 任何类型的疝气或痔疮或任何扁桃体的疾病, 腺样体, or reproductive organs if the Confinement begins within 90 days after this policy becomes effective for the Covered Person. This exception shall not be applicable when the attending Physician certifies that such diseases or conditions are treated on an emergency basis; 6. Cosmetic and/or elective surgery unless caused by Injury or done for reconstructive purposes due to Injury or Sickness; 7. Intoxication (as defined by the state law w在这里 the loss occurs) or addiction to alcohol or any illegal or controlled substance, including treatment for overdose, detoxification and rehabilitation. This would not apply to treatment when a controlled substance is administered by a Physician and taken according to the Physician’s instructions; 8. 在美利坚合众国、其属地和领土以外提供的治疗; or 9. 任何未经美国批准的药物或器械的管理.S. 食物 & Drug Administration (FDA).

Pre-existing Condition Limitations: This policy does not cover any loss incurred which is caused by or results from a pre-existing sickness or physical condition, as defined within the policy, subject to the time limit on certain defenses provision.

爱达荷州,

由于下列原因造成或导致的任何损失,本保单不提供赔偿:

1. Normal pregnancy and childbirth; however, Complications of Pregnancy shall be considered as a Sickness; 2. Elective abortions; however, 为保护被堕胎妇女的生命而进行的选择性堕胎, shall be considered as a Sickness; 3. Any attempt at suicide or any intentionally self-inflicted Injury, whether sane or insane; 4. Mental or nervous disease or disorder for more than 30 days per calendar year for the same or related disease or disorder; 5. Routine well-baby care for newborn children; 6. 整容手术, except that cosmetic surgery shall not include reconstructive surgery when the service is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, and reconstructive surgery because of congenital disease or Congenital Anomaly of a covered dependent child; or 7. 在美利坚合众国、其属地和领土以外提供的治疗.

Pre-existing Condition Limitations: This policy shall not deny, exclude or limit benefits for a covered person for covered expenses incurred more than 12 months following the effective date of the individual's coverage due to a pre-existing condition.

堪萨斯-

由于下列原因造成或导致的任何损失,本保单不提供赔偿:

1. Normal pregnancy and childbirth; however, complications of pregnancy shall be considered as a Sickness; 2. Any attempt at suicide or any intentionally self-inflicted Injury, whether sane or insane; 3. Mental or nervous disease or disorder for more than 30 days per calendar year for the same or related disease or disorder; 4. Routine well-baby care for newborn children; 5. 任何类型的疝气或痔疮或任何扁桃体的疾病, 腺样体, or reproductive organs if the Confinement begins within 90 days after this policy becomes effective for the Covered Person. This exception shall not be applicable when the attending Physician certifies that such diseases or conditions are treated on an emergency basis; 6. Cosmetic and/or elective surgery unless caused by Injury or done for reconstructive purposes due to Injury or Sickness; 7. Intoxication (as defined by the state law w在这里 the loss occurs) or addiction to alcohol or any illegal or controlled substance, including treatment for overdose, detoxification and rehabilitation. This would not apply to treatment when a controlled substance is administered by a Physician and taken according to the Physician’s instructions; 8. 在美利坚合众国、其属地和领土以外提供的治疗; or 9. 任何未经美国批准的药物或器械的管理.S. 食物 & 美国食品药品监督管理局(FDA),包括但不限于用于药物输送的任何植入物.

已存在疾病限制:这些政策不包括任何 loss incurred which is caused by or results from a pre-existing sickness or physical condition, as defined within the policies, subject to the time limit on certain defenses provision.

俄克拉何马州,

由于下列原因造成或导致的任何损失,本保单不提供赔偿:

1. Normal pregnancy and childbirth; however, complications of pregnancy shall be considered as a Sickness; 2. Any attempt at suicide or any intentionally self-inflicted Injury, whether sane or insane; 3. Mental or nervous disease or disorder for more than 30 days per calendar year for the same or related disease or disorder; 4. Routine well-baby care for newborn children; 5. 任何类型的疝气或痔疮或任何扁桃体的疾病, 腺样体, or reproductive organs if the Confinement begins within 90 days after this policy becomes effective for the Covered Person. This exception shall not be applicable when the attending Physician certifies that such diseases or conditions are treated on an emergency basis; 6. Cosmetic and/or elective surgery unless caused by Injury or done for reconstructive purposes due to Injury or Sickness; 7. Intoxication (as defined by the state law w在这里 the loss occurs) or addiction to alcohol or any illegal or controlled substance, including treatment for overdose, detoxification and rehabilitation. This would not apply to treatment when a controlled substance is administered by a Physician and taken according to the Physician’s instructions; 8. Treatment provided outside th possessions and territories; or 9. 任何未经美国批准的药物或器械的管理.S. 食物 & 美国食品药品监督管理局(FDA),包括但不限于用于药物输送的任何植入物.

已存在疾病限制:这些政策不包括任何 loss incurred which is caused by or results from a pre-existing sickness or physical condition, as defined within the policies, subject to the time limit on certain defenses provision.


状态 Farm Mutual 汽车mobile pp王者电子官网 Company
布卢明顿,
HI-4.14