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Active Lifestyle?
We've Got You Covered.

Being a healthcare professional, you know better than most that accidents happen. And particularly to those that are active, like you, and your family.

Kids and adults — young and old — get injured playing sports and participating in recreational activities.

You see the teeth that get knocked out or broken, and that's just the tip of the injury iceberg! The CDC reports that 130M Americans made an ER visit; 35 million were injury-related.

Of those ER visits, 16.2M were admitted to the hospital and 2.3M1 to Critical Care.

The cost of an ER visit varies wildly based on treatment, adults age 18–64 had the highest average visit cost of $1,177. The cost of a day in the hospital runs about $2,607 and if you need to stay over, costs will balloon to an average of $11,700 per night.2

Some of those costs will be covered by medical insurance, and some will not. Given rising medical deductibles and high out-of-pocket expenses (e.g., deductibles, co-pays, transportation, lodging, childcare, out-of-network costs) a supplemental Hospital Indemnity plan could help fill the gaps. The ADA Hospital Indemnity insurance plan offers up to $1,000 a day in benefits (for up to 180 days)3, paid to you in cash – not to the hospital, not to treating physicians or other medical professionals. You can spend your benefits as you see fit.

Get the whole family covered — you, your spouse/partner and your children. Football, basketball and soccer injuries are in the top five ER sports-related injuries.

  • Hospitalizations for pregnancy, delivery and miscarriages.
  • Benefits are paid not only for ER visits, but for each day of hospitalization and qualifying outpatient treatments.
  • Coverage is guaranteed acceptance — that means approval is guaranteed4 without any medical or financial underwriting (no medical questions or exams). The process is easy.

Because you're part of the ADA, you can take advantage of its buying power and get great coverage with highly competitive rates. Choosing the right combination of benefits can be time-consuming and confusing at times. We can help make it easy.

Hospital Indemnity coverage can be a practical and smart choice to help protect you and your family against unexpected hospital costs, whether they be in the ER, or for qualifying outpatient treatments or hospital stays.*