2026 Hospital Indemnity
Ware County Schools is pleased to offer a new Hospital Indemnity plan through Lincoln Financial that pays a confinement benefit plus daily hospital stay benefits for sickness and injuries. This indemnity policy pays the benefits directly to you according to the benefits schedule, and the funds can be used for any purpose. Please refer to the Summary of Benefits or certificate of coverage for complete details.
The new Hospital Indemnity plan covers planned or scheduled hospitalizations in addition to unexpected hospital stays. There are no pre-existing limitations with this plan, and pregnancy is covered like any other condition with no restrictions.
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Schedule of Benefits
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Amount
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|---|---|
| Hospital Admission Benefit | $1,000, up to 2 days per year |
| ICU Admission Benefit | $2,000, 1 day per year |
| Hospital Confinement Benefit | $100/day, up to 30 days per year |
| ICU Confinement Benefit | $200/day, up to 30 days per year |
| Newborn Care | $200, 1 day per calendar year |
Wellness Benefit Included
The Hospital Indemnity plan includes a wellness benefit of $50 per covered member per calendar year. The benefit covers one test per insured once per calendar year. Eligible screenings include, but are not limited to:
- Sports physicals
- Immunizations
- Cardiovascular, cholesterol and diabetes screenings
- Chest X-rays
- Mammograms
For a comprehensive list of eligible screenings, please refer to the policy.
Important Notes
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized.
- The payment you get isn't based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy is a fixed indemnity policy and is not substitute for comprehensive health insurance.
- Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Portability Upon Employment Separation
If desired, you may retain this policy upon employment termination by remitting premiums directly to Lincoln Financial.
