Hospital Indemnity

Hospital Indemnity  


If you become injured or ill and are hospitalized, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill, including coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.


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Group Hospital Indemnity coverage pays cash benefits directly to you for planned and unplanned hospital stays, including hospitalization due to birth of a child, inpatient surgery, illness and injury. Lump sum benefits are paid for covered hospital admissions, daily stays and more. The money can be used any way you want or need. Pay out-of-pocket medical expenses, like deductibles and co-insurance, or use it to take care of day-to-day expenses, like car payments and utilities. The choice is yours. Plus this plan offers these advantages:

  • Pays a lump sum benefit of $1,000 once per plan year for admission into a hospital and $100 per day for an inpatient stay. The plan also includes daily benefits for inpatient substance abuse, mental treatment, rehabilitative and hospice stays and more
  • Benefits are paid directly to you
  • Guaranteed issue: no medical questions asked to enroll (you may only enroll during open enrollment, as a new hire or due to a qualifying life event)
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or lost income from missing work
  • Ability to keep your coverage if you leave Iron Mountain (with certain stipulations)
  • Who is eligible?
    • You — if you are an active employee
    • Your spouse — coverage is available only if Employee coverage is elected
    • Your child(ren) — to age 26. Coverage is available only if Employee coverage is elected

Add group hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.
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Group Hospital Indemnity - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Benefit Summary
Spanish Benefit Summary


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • How do I file a claim?

    Go to and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form.


    If you require language assistance, please call Member Services at 1-800-607-3366 and an Aetna representative will connect you with an interpreter. If you’re deaf or hard of hearing, use your TTY and dial 711 for the Telecommunications Relay Service. Once connected, please enter or provide the Aetna telephone number you’re calling.


    Si usted necesita asistencia lingüística, por favor llame al Servicios al Miembro a 1-800-607-3366, y un representante de Aetna le conectará con un intérprete. Si usted es sordo o tiene problemas de audición, use su TTY y marcar 711 para el Servicio de Retransmisión de Telecomunicaciones (TRS). Una vez conectado, por favor entrar o proporcionar el número de teléfono de Aetna que está llamando.

  • How can this help me?

    The plan pays cash benefits directly to you. This means that you will have added financial resources to help with medical costs or ongoing living expenses. The plan pays cash benefits to help you cover out-of-pocket medical and other expenses caused by a hospital stay.
  • When can I enroll?

    All eligible employees can enroll during annual enrollment. New hires can enroll during their new hire enrollment period. You will not be able to enroll outside of your new hire enrollment period or annual enrollment unless you experience a qualifying life event, like marriage, birth of a child, etc.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can pay Aetna directly. Portability forms are available at or call Member Services at 1-800-607-3366 for assistance.
  • Who is eligible?

    You can sign up for coverage for yourself and your eligible dependents during your new hire enrollment eligibility period, during the annual enrollment period or if you experience a qualifying life event. No medical questions are asked. The plan is designed to complement, not replace, major medical insurance.
  • Will I have to take a medical exam to get this coverage?

    No! This coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions). Please note that no pre-existing conditions apply but your hospitalization must occur on or after your coverage dates for benefits to be paid.

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.