Overview

Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds for the out-of-pocket expenses your medical plan may not cover, such as co-insurance and deductibles.

With Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays. Plus, this insurance offers these advantages:

Coverage is guaranteed for you and your eligible family members when you enroll during Ecolab’s Annual Enrollment or during your initial new hire eligibility period.¹
Pays when you’re hospitalized, regardless of the reason
Lump sum paid directly to you
Pays benefits in addition to your medical insurance
Pregnancy costs covered
Employee group rates. For rate information, please refer to the rate chart under the Learn More section

Enrollment

Enrollment into the plan only occurs during the initial new hire eligibility or during Ecolab’s Annual Open Enrollment period, however you may disenroll at any time. Enrollment and disenrollment are completed online via the website link below.

To use the website below, your username will be your Ecolab employee ID and the password will be the last four of your social security number and last two of birth year. For example if your social security ends xxx-xx-1234 and your birth year is 1989 your password will be 123489.

Enroll now

Please note: the enrollment site above works best when viewed in Microsoft Edge or Google Chrome.

Phone 1-877-473-9297
Hours M-F 7a-8p CT
Email employerbenefitsinquiries.service@mercer.com

FAQS

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

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Who is the provider?

With over 145 years of experience, MetLife is a recognized leader in protection planning and retirement & savings solutions.
What is Hospital Indemnity Insurance?
Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Features of Hospital Indemnity Insurance include:
- Flexibility: You can use the benefit money for any purpose you like
- Payroll deductions: Premiums paid through convenient payroll deductions
- Affordable coverage: Rates are typically lower when you purchase coverage through your employer
- Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
How can this help me?

The average price of a hospital stay is $10,000.²

Not counting ambulance, intensive care treatment and other expenses, medical insurance may not cover. With Hospital Indemnity Insurance, you collect a lump sum each day you’re in the hospital – for any reason.

That money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need.
Who is eligible?
- You—all active associates working 20+ hours per week
- Your spouse/domestic partner³— Coverage is available only if employee coverage is elected.
- Your child(ren)— to age 26. Coverage is available only if Employee coverage is elected
When can I enroll?

As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.
How much will this coverage cost?

For rate information, please refer to the rate chart under the Learn More section
What if my enrollment status changes?

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, or home billing.

Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.⁴
How do I see my Certificate of Insurance?

Your Certificate contains the specific terms and provisions of your coverage. The MyBenefits website, www.metlife.com/mybenefits, and MetLife mobile app provide quick and easy access to view and print your Certificate of Insurance. Once registered and logged into the website or app, click the ‘Claim Center’ tab and locate the applicable product, you can then use the ‘I Want To…’ drop down menu to select ‘View certificate’.

¹Coverage is guaranteed provided (1) the employee is actively at work and (2) any dependents to be covered are not under medical restriction as described in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.

²Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H., Agency for Healthcare Research and Quality, “Costs for Hospital Stays in the United States, 2011,”

³The use of “spouse/domestic partner” in this document means a person insured as a spouse as described in the certificate of insurance or rider. Please contact your employer for more information.

⁴Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.