It provides coverage to help you pay your share of hospital expenses under most medical plans, such as deductibles and coinsurance amounts. You can use these benefits for expenses related to pregnancy or any illness, infection, disease or other abnormal physical condition or injury that requires hospitalization. The benefits it pays are the same no matter which hospital you use and whether or not you have other health coverage.
This plan waives your cost for coverage if you’re in the hospital continuously for six months. You don’t pay the premiums for coverage again for 12 months or until the hospital discharges you, whichever comes first.