Help protect your family's financial security

The 5Star Life Insurance Company (5Star Life) Healthcare Indemnity coverage pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. It gives you the freedom to use the cash benefits as needed – pay medical bills, everyday living expenses, or any other unexpected expenses.

Depending on the plan your employer selects, the policy may cover:

  • Hospitalization
  • Trips to the Emergency Room
  • Ambulance services
  • Hospital admission
  • Doctor office visits
  • Newborn baby care
  • Surgical benefits
  • Diagnostic services
  • Durable medical equipment
  • Physical, occupational, and
    rehabilitation therapy
  • Private duty nursing
  • Home healthcare
  • CT scans and MRI

Go to the hospital and you’re covered, right?

Life can be full of unwelcomed mishaps and being prepared for the unexpected is important. Think about expenses not covered by insurance that could have a big impact for you and your family financially.

  • Rising costs of prescriptions
  • Increasing co-payments
  • Out of network provider fees

Preventative care benefit

This benefit pays once per year, per covered person and is paid directly to you regardless of actual out-of-pocket expenses. Covered tests include, but is not limited to:

  • Routine physical exam
  • Hemoglobin (A1c)
  • Dental Exam
  • Optometrist Exam
  • Weight reduction program
  • Stress test
  • Bone Density Screen
  • Sleep Test (Epworth Sleepiness Scale)
  • Concussion Testing (Baseline)

We're here to help

Visit the Support Center to file a claim, make a payment or change to your account, answer questions about your coverage, and more.