Hospital Indemnity

Hospital Indemnity  


Does cancer or heart disease run in your family? Along with pneumonia and accidents, these illnesses are common causes of hospital stays. If you or a family member become ill or injured and are hospitalized, will you need help covering unexpected medical expenses that could add up to thousands of dollars in out-of-pocket costs?


These out-of-pocket costs also include non-medical expenses like transportation to and from the hospital for loved ones to visit, lost income, supplies at the local pharmacy, food for your family, etc.


This plan has been designed to pay you cash benefits, to use however you choose, to help take care of these unexpected costs associated with a hospital stay. Plan highlights include:

  • Eligible members and their spouses are guaranteed acceptance* in this plan if you’re a member under age 65. You can’t be turned down.
  • You can choose between two daily hospital stay benefit plans ($150/day or $100/day) based on your needs.
  • Benefits are paid directly to you and in addition to other coverage you may have.
  • You pay an affordable group rate based on the group buying power of the MOAA membership!



How It Works

Call to Enroll Over the Phone


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

May not be available in all states.    

Tell Me More

Guaranteed Acceptance*

As an eligible MOAA member under age 65, you are guaranteed this coverage. Eligible members cannot be turned down. Your eligible spouse (not legally separated from you) and children under age 26 are also guaranteed acceptance in this plan.



You are eligible for coverage if you are under age 65, a U.S. resident who resides outside of New York at time of enrollment and are an active member of MOAA. Your lawful spouse or domestic partner over age 18 (a U.S. resident who resides outside of New York at time of enrollment, not in active full-time military service), and your dependent children under age 26 are also eligible (or over age 26 if incapable of self-sustaining employment because of a mental or physical disability).


Eligibility Restrictions

  • The Member must be enrolled for Coverage under this Policy in order to enroll Dependent(s) for Coverage.
  • A Member may not elect coverage for their Dependent if such Dependent is covered as a Member under the Policy.
  • No person can be insured as a Dependent of more than one Member under the Policy.


*This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions Limitation. Please see below for more information on exclusions and limitations, such as Pre-Existing Conditions.


Choice of Benefit Plans

You select the plan that best fits your needs:

Benefits Higher Benefits Lower Benefits
Day 1: First day Hospital Confinement, must begin within 90
days of covered injury or illness, paid 1x per year
Day 2+: Daily Hospital Confinement up to 90 days per year,
must begin within 90 days of covered injury or illness
per day
per day

Intensive Care Unit (ICU) Admission: Daily ICU Confinement,
up to 30 days per year, must begin within 90 days of covered
injury or illness


per day
per day
  • First day admitted as an inpatient in a hospital: For the first day of confinement, you will be paid the lump sum cash benefit for the higher or lower option benefit you choose ($1,000 or $500). This first day benefit is paid 1 time per year.
  • For each additional day of confinement, up to 90 days per year, you’ll collect the daily benefit amount for the plan you choose ($150/day or $100/day).
  • Intensive Care Unit: If you or a covered dependent are admitted to the ICU, you’ll receive the daily amount ($300/day or $200/day) up to 30 days per year.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

4050 114th Street
Urbandale, IA 50322
 M-F 7:30am-6:00pm CT
[email protected]


Insurance Company Address

Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
  • Affordable Group Rates

    Thanks to the group buying power of the entire MOAA membership, you pay an economical group rate.



    $1,000 first day of confinement / $150 per day after / $300 per day ICU


    Age Member
    Member &
    Member &
    Member &
    18-24 $8.43 $24.21 $34.08 $53.05
    25-29 $13.13 $29.35 $35.94 $54.47
    30-34 $14.24 $30.52 $32.84 $51.05
    35-39 $11.72 $27.65 $23.55 $41.48
    40-44 $9.94 $25.49 $19.90 $37.81
    45-49 $11.92 $27.39 $23.77 $41.67
    50-54 $15.48 $30.82 $30.96 $48.86
    55-59 $20.28 $35.50 $40.67 $58.57
    60-64 $23.50 $38.71 $47.11 $65.01
    65-69* $24.59 $39.79 $49.40 $67.30
    70-74* $25.67 $40.88 $51.67 $69.58
    75-79* $32.83 $47.99 $65.82 $83.72
    80-84* $22.94 $30.44 $46.01 $54.96



    $500 first day of confinement / $100 per day after / $200 per day ICU


    Age Member
    Member &
    Member &
    Member &
    18-24 $4.64 $13.58 $18.64 $29.40
    25-29 $7.26 $16.46 $19.72 $30.24
    30-34 $7.87 $17.11 $18.11 $28.45
    35-39 $6.51 $15.55 $13.05 $23.24
    40-44 $5.53 $14.37 $11.08 $21.26
    45-49 $6.67 $15.46 $13.31 $23.48
    50-54 $8.72 $17.43 $17.44 $27.61
    55-59 $11.48 $20.12 $23.02 $33.19
    60-64 $13.46 $22.10 $26.99 $37.16
    65-69* $14.06 $22.70 $28.24 $38.41
    70-74* $14.65 $23.29 $29.47 $39.65
    75-79* $18.87 $27.48 $37.83 $48.00
    80-84* $13.20 $17.46 $26.49 $31.57

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


    For your convenience, you'll be billed quarterly. You cannot be singled out for a rate increase. 


    * Premiums for ages 65 and over are renewal premiums only.


    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.

  • Additional Plan Details

    When coverage begins: Your coverage is effective as of the first day of the month after the administrator receives your enrollment form and first premium payment.


    Deferred Coverage Effective Date: All Coverage Effective Dates, changes in coverage effective dates, new dependent coverage effective dates and reinstatement of coverage effective dates for a member or a dependent will be deferred if on the date the Member or a Dependent is to become covered, he or she is Confined or Confined Elsewhere. Such coverage will not start until the first day of the month on or next following the day after: 1) the Member or the Dependent is no longer Confined or Confined Elsewhere; and 2) the Member or the Dependent has engaged in all of the normal and customary activities of a person of like age, gender and good health for at least 15 consecutive days. In no event will dependent insurance become effective before a member becomes insured.


    When coverage ends: Your coverage remains in effect if premiums are paid, the Master Policy is in force, and you remain a member, until you reach age 85. Each party may terminate the Policy upon 60 days advanced written notice. Dependent coverage terminates when your coverage terminates, premiums are not paid, or they cease to be eligible dependents.


    Satisfaction Guaranteed: Once you receive your Certificate of Insurance you have a full 30 days to review it. If you’re not satisfied, simply return it within 30 days of receipt; premiums paid will be refunded, minus any claims paid.


    Definitions: Confined or Confinement means the assignment to a bed in a medical facility for a period of at least 20 consecutive hours or being held in a Hospital for 24 consecutive hours or more. This definition does not include a newborn child's initial Confinement in a Hospital following birth for routine medical and nursing care.


    Confined Elsewhere means a Member or a Dependent is unable to perform, unaided, the normal functions of daily living, or leave his/her home or other place of residence without assistance.


    Hospital does not include convalescent homes; convalescent, rest or nursing facilities; facilities affording primarily custodial, educational or rehabilitory care; facilities primarily for care of the aged/elderly, care of persons with Substance Abuse Issues/Disorders, or care of persons with Mental and Nervous Disorders; or a distinct unit within a hospital that primarily treats or is dedicated to the care of persons with Substance Abuse Issues/Disorders or Mental and Nervous Disorders.


    Exclusions: No benefits are payable under the Policy for any Illness or Injury that results from or is caused by a Covered Person’s: 1) suicide or attempted suicide, whether sane or insane, or intentional self-infliction; 2) voluntary intoxication (as defined by the law of the jurisdiction in which the Illness or Injury occurred) or while under the influence of any narcotic, drug or controlled substance, unless administered by or taken according to the instruction of a Physician or Medical Professional; 3) voluntary intoxication through use of poison, gas or fumes, whether by ingestion, injection, inhalation or absorption; 4) voluntary commission of or attempt to commit a felony, voluntary participation in illegal activities (except for misdemeanor violations), voluntary Participation in a Riot, or voluntary engagement in an illegal occupation; 5) incarceration or imprisonment following conviction for a crime; 6) participation in any organized sport in a professional or semi-professional capacity; 7) travel or activity outside the United States or Canada; or 8) involvement in any declared or undeclared war or act of war (not including acts of terrorism), while serving in the military or an auxiliary unit attached to the military, or working in an area of war whether voluntarily or as required by an employer. 


    In addition, we will not pay for any benefits under the policy, unless required by law for: 1) elective abortion or complications thereof; 2) artificial insemination, in vitro fertilization, test tube fertilization; 3) sterilization, tubal ligation or vasectomy, and reversal thereof; 4) aroma therapeutic, herbal therapeutic, or homeopathic services; 5) any Mental and Nervous Disorder, unless specifically allowed by a provision of this Certificate; 6) Substance Abuse, unless specifically allowed by a provision of this Certificate; 7) medical mishap or negligence on the part of any Physician, Medical Professional, or Therapist, including malpractice; 8) Custodial Care, unless specifically allowed by a benefit provision in this Certificate or any rider attached to the Policy (if applicable); 9) elective or cosmetic surgery or procedures, except for reconstructive surgery: a) incidental to or following surgery for disease, infection or trauma of the involved body part; or b) due to Congenital Anomaly or disease of a Dependent Child which has resulted in a functional defect; 10) dental care or Treatment, except for: a) Treatment due to an Injury to sound natural teeth within 12 months of the Accident; and 11) Treatment necessary due to congenital disease or anomaly. Congenital Anomalies of newborn and newly adopted children are not excluded if otherwise covered under the terms of the Policy.


    Other Hospital Indemnity Policy Limitation (Over-Insurance Limitation)


    If a covered person is insured under any other Hospital Indemnity Policy underwritten by Hartford Life and Accident Insurance Company, any claim for benefit is only payable under one policy. The covered person (or their beneficiary or estate, in the event of death) may elect under which policy benefits are payable. We will return the amount of premium paid for any Other Hospital Indemnity policy that is declined by the covered person retroactive to the later of: 1) the last date any benefit was paid for any covered person under the other Hospital Indemnity policy; or 2) the effective date of insurance for the covered person under the other Hospital Indemnity Policy.


    Pre-Existing Condition Limitation:The plan does not pay benefits for any covered illness or covered injury that results from, or is caused or contributed to by, a pre-existing condition until 12 months after a covered person is continuously insured under the Policy. A pre-existing condition limitation of 12 months will also apply to any benefit amount increase or the addition of any benefit under the Policy. If a covered person becomes confined as the result of a pre-existing condition prior to completing this 12-month limitation period, benefits will only be payable for any day of confinement that extends after the end of the limitation period.


    Pre-Existing Condition means any Illness or Injury for which a Covered Person received Treatment in the 12 months prior to: the date the Covered Person became insured under the Policy; or the date of any increase in benefit amounts or the addition of any benefit under the Policy.




    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 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 website and the policy (Master Policy AGP-40009), 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, reduction of benefits 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.


    Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.

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





AMBA's Role & Compensation

Program Offered by:

Association Member Benefits Advisors, LLC., which acts as the insurance broker for the Group Policyholder, is appointed

by The Hartford, and is compensated for the placement of insurance.